David Ramirez
$1,254,000$1,284,0005 bd3 ba3,526 sqft$356 /sqft$8,070 /mo all-in ↓

6311 PALMAS BAY CIRCLE, PORT ORANGE, FL, 32127

Active60 days on marketListed Jun 5, 2026MLS #J1001712

Reduced $30KWaterfrontPrivate poolSingle Family ResidencePALMAS BAY CLUB

About this home

6311 PALMAS BAY CIRCLE

Custom built home! This exceptional waterfront estate is in Palmas Bay Club, a private, gated enclave along a protected Florida Forever River. Set on .70 acres High and Dry approx. 7' above sea level never flooded, with over 100 feet of river frontage, the home enjoys sweeping views across the river to the 3,000-acre Doris Leeper Preserve, offering rare, permanent privacy with no development on the opposite shoreline. Designed with quality and longevity in mind, the residence features a four-block-high stem wall and offers 5 bedrooms, 3 baths, and approx. 3,400 sq. ft. of thoughtfully designed living space. Elegant formal living and dining rooms are complemented by a spacious family room with surround sound, and a chef's kitchen with custom cherry cabinetry and abundant pantry storage. Outdoor living is elevated by an entirely screened lanai showcasing a 33' saltwater pool, custom stone waterfall, and dramatic 9' stone fireplace beneath a two-story screened enclosure. Upstairs, the primary suite offers a private balcony overlooking the river, a peaceful retreat surrounded by water, wildlife, and open sky. Additional bedrooms, abundant storage, and a finished, air-conditioned bonus room provide flexibility for family, guests, or creative space. For boating enthusiasts, the 25' boathouse, dock, and extensive boardwalk offer access to the Intracoastal Waterway, Ponce Inlet, and the Atlantic Ocean. A lifestyle that blends adventure with tranquility. Thoughtful upgrades include solar domestic water, pool plumbing for solar, reverse osmosis drinking water, security system, new roof (2020), recently painted exterior, and more. This is more than a home, it's a rare opportunity to live surrounded by protected natural beauty, timeless craftsmanship, and the effortless rhythm of waterfront living.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

3,526

Sqft

0.58 ac

Lot size

2

Garage

2001

Year built

Two

Levels

$356

Per sqft

Private poolWaterfrontFireplacePets allowed

Inside

FlooringCarpet · Laminate · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Water Filtration System
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Wood Cabinets · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Chute · Laundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationBlock · Stem Wall
FacesWest
ParkingCircular Driveway · Driveway · Garage Faces Side · Oversized
ExteriorBalcony · Fire Pit · Irrigation System · Outdoor Shower · Storage

Community & fees

HOA fee$100/mo
Taxes (2025)$6,873/yr
PetsYes
CommunityFishing · Private Boat Ramp · Water Access · Clubhouse · Playground · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$8,070 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,767
PMI (est., until 20% equity)$470
Property tax — 2025 actual bill$573
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $125,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $125,400
Interest rate6.00%
Loan term

Estimated payment

$8,070/mo

Principal & interest$6,767
PMI (est., until 20% equity)$470
Property taxes (actual bill)$573
HOA / condo fee$100
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Port Orange actives

$356 vs $220

Days on market

60 vs 39 typical

Where $356/sqft sits among the 215 Port Orange actives

78
74
29
11 · this home
9
14
$151–207$207–264$264–320$320–377$377–434$434+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Port Orange

Map of 6311 PALMAS BAY CIRCLE

Drive times from this address

Downtown Orlando68 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Port Orange. See the full Port Orange guide →

PORT ORANGE 32127 — neighborhood snapshot

Population

28,430

Median age

53.6

Median income

$65,260

Median home value

$301,800

Avg household

2.18

Households w/ children

2,656

For the school run

Volusia County School District

ElementaryPort Orange Elementary School★★★★
MiddleSilver Sands Middle School★★★★★
HighSpruce Creek High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Orange market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$355K$346K

Port Orange median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

118 of 215

Port Orange actives have cut their price

Median sold price, Port Orange, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 202% above the PORT ORANGE 32127 median. See the full Port Orange market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,254,000 $30K
Jun 5, 2026Listed at $1,284,000 · 60 days on market since
2001Built · PALMAS BAY CLUB

Reality check

What actually sold near 6311 PALMAS BAY CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

744 BARROWS DAIRY ROADSold · Jun ’26

$990,000

744 BARROWS DAIRY ROAD

4 bd · 5 ba · 3,646 sqft · $272/sqft · 3 DOM

682 FERNCLIFF DRIVESold · Mar ’26

$855,000

682 FERNCLIFF DRIVE

4 bd · 4 ba · 3,173 sqft · $269/sqft · 260 DOM

5925 BROKEN BOW LANESold · May ’26

$685,000

5925 BROKEN BOW LANE

4 bd · 3 ba · 2,562 sqft · $267/sqft · 17 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6311 PALMAS BAY CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6311 PALMAS BAY CIRCLE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

6311 PALMAS BAY CIRCLE FAQs

What would the monthly payment be for 6311 PALMAS BAY CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,070/mo — principal and interest, the actual property-tax bill, the $100/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 6311 PALMAS BAY CIRCLE?+

The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6311 PALMAS BAY CIRCLE?+

The most recent tax bill on record (2025) was $6,873. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 6311 PALMAS BAY CIRCLE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Port Orange?+

At $1,254,000, this home is listed about 234% above the Port Orange median of $375,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6311 PALMAS BAY CIRCLE?+

Port Orange Elementary School (elementary), Silver Sands Middle School (middle), Spruce Creek High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,254,000 runs 202% above the PORT ORANGE 32127 median — but at 3,526 sqft it's also nearly twice the size of the typical Port Orange listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Port Orange Elementary School, Silver Sands Middle School, Spruce Creek High School — Port Orange Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,284,000, now $1,254,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1001712.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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