David Ramirez
$315,000$330,0002 bd2 ba1,229 sqft$256 /sqft$3,299 /mo all-in ↓

3606 S PENINSULA DRIVE UNIT 703, PORT ORANGE, FL, 32127

Active484 days on marketListed Apr 11, 2025MLS #NS1084472

Priced 23% below the PORT ORANGE 32127 medianReduced $15KWaterfrontFully furnishedCondominiumADMIRALTY CLUB

About this home

3606 S PENINSULA DRIVE UNIT 703

Welcome to an extraordinary opportunity to own this stunning DIRECT RIVERFRONT condominium on the 7th floor of one of the area's most coveted buildings, nestled on a quiet, no-through street. This beautifully renovated and FULLY FURNISHED 2-bedroom, 2-bath residence offers panoramic, awe-inspiring views of the Intracoastal Waterway (Halifax River) and stretches all the way to the Atlantic Ocean. From the moment you step through the glass-paneled front door, you'll be captivated by the natural light that floods the space and draws you toward the private riverfront balcony—your personal sanctuary with sweeping views to the South and Ponce Inlet Lighthouse to the North towards Daytona Beach Shores. The open-concept layout is designed with a split bedroom plan for added privacy. Wake up to sailboats gliding across the water and pelicans soaring past at eye level from your spacious primary suite, complete with a luxurious ensuite bathroom featuring a newly updated walk-in shower, vanity, and elegant finishes. The guest bedroom and bath have also been tastefully updated, ensuring comfort and Florida style throughout. Enjoy cooking in a kitchen where OCEAN VIEWS turn meal prep into a delight. Recent updates include a brand new AC (2024), new carpet in the bedrooms and living area, luxury vinyl plank flooring in the dining space, and tile in the kitchen and bathrooms. Resort-style amenities elevate the lifestyle here: • Riverfront heated pool & sauna • Floating kayak launch • Recently renovated social room (aka The Pelican Lounge) with floor-to-ceiling windows, full kitchen, TV, pool table, ping pong and never-ending puzzles as well as a mini library for residents • Assigned parking, private storage unit, bike racks, and water-toy storage. Just a few blocks from the World’s Most Famous Beach, this home offers the perfect blend of serenity and excitement with front row seat of sunrises to your balcony of spectacular sunsets. After 23 cherished years of family winter memories, this lovingly cared-for condo is ready to welcome new owners and their next generation of unforgettable moments. Live the good life every day—this rarely available riverfront gem will not disappoint!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,229

Sqft

2.14 ac

Lot size

1974

Year built

One

Levels

$256

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Elevator · Living Room/Dining Room Combo · Open Floorplan · Thermostat · Window Treatments
LaundryCommon Area · Corridor Access · Same Floor As Condo Unit
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofBuilt-Up
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesEast
ExteriorBalcony · Lighting · Outdoor Grill · Sauna · Storage

Community & fees

HOA fee$768/mo
Taxes (2024)$4,531/yr
PetsNo
CommunityFishing · River · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Pool · Special Community Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Street Lights · 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.

$3,299 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,854
FHA mortgage insurance (est.)$139
Property tax — 2024 actual bill$378
Condo fee — from the listing$768
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,025Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $11,025
Interest rate6.00%
Loan term

Estimated payment

$3,299/mo

Principal & interest$1,854
FHA mortgage insurance (est.)$139
Property taxes (actual bill)$378
HOA / condo fee$768
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $315K
$206KedgeAI estimate $281,819 · range $215K$323K$335K

vs edgeAI estimate

+11.8%

$/sqft vs ADMIRALTY CLUB

$256 vs $232

Days on market

484 vs 45 typical

Where $256/sqft sits among the 6 homes for sale in ADMIRALTY CLUB

2
2
1 · this home
0
0
1
$211–227$227–244$244–260$260–276$276–293$293+

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 3606 S PENINSULA DRIVE UNIT 703

Drive times from this address

Downtown Orlando65 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 seller3.9 months of inventoryBuyer’s market

$355K$346K

Port Orange median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

1 of 6

ADMIRALTY CLUB have cut their price

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

This home is listed 23% below the PORT ORANGE 32127 median. See the full Port Orange market guide →

Paper trail

This home's history

CurrentPrice reduced to $315,000 $15K
Apr 11, 2025Listed at $330,000 · 484 days on market since
1974Built · ADMIRALTY CLUB

Reality check

What actually sold near 3606 S PENINSULA DRIVE UNIT 703

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

3606 S PENINSULA DRIVE UNIT 507Sold · Aug ’25

$280,000

3606 S PENINSULA DRIVE UNIT 507 · same community

2 bd · 2 ba · 1,229 sqft · $228/sqft · 70 DOM

3606 S PENINSULA DRIVE UNIT 404Sold · Aug ’25

$255,000

3606 S PENINSULA DRIVE UNIT 404 · same community

2 bd · 2 ba · 1,229 sqft · $207/sqft · 221 DOM

3606 S PENINSULA DRIVE UNIT 103Sold · Feb ’26

$150,000

3606 S PENINSULA DRIVE UNIT 103 · same community

2 bd · 2 ba · 1,229 sqft · $122/sqft · 0 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 3606 S PENINSULA DRIVE UNIT 703 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3606 S PENINSULA DRIVE UNIT 703 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

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Goes straight to David’s phone and CRM.

Straight answers

3606 S PENINSULA DRIVE UNIT 703 FAQs

What would the monthly payment be for 3606 S PENINSULA DRIVE UNIT 703?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,299/mo — principal and interest, the actual property-tax bill, the $768/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 3606 S PENINSULA DRIVE UNIT 703?+

The association fee works out to $768 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3606 S PENINSULA DRIVE UNIT 703?+

The most recent tax bill on record (2024) was $4,531. 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 3606 S PENINSULA DRIVE UNIT 703?+

The listing reports pets: No. 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 $315,000, this home is listed about 14% below the Port Orange median of $365,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3606 S PENINSULA DRIVE UNIT 703?+

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

Five things that matter here

01Under the PORT ORANGE 32127 market on paper

$315,000 is 23% below the PORT ORANGE 32127 median of $410,000.

02Waterfront living

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

03Know the monthly fee

The association fee is $768/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

484 days on market against a Port Orange median of 45 — sellers in this position are usually ready to negotiate.

05Strong 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.

Listing courtesy of ENGEL & VOLKERS NEW SMYRNA · Lori Sharlow. MLS #NS1084472.

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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