1325 WINTER GRAY CIRCLE, DELTONA, FL, 32738
Active84 days on marketListed Apr 30, 2026MLS #O6403845
About this home
1325 WINTER GRAY CIRCLE
Enjoy peaceful views from this beautiful 4-bedroom, 2-bathroom home located just across from a serene lake. Designed with an open-concept layout, this home offers spacious living and dining areas perfect for everyday living and entertaining. The kitchen features a walk-in pantry, providing ample storage and functionality. The primary suite includes a walk-in closet, dual sinks in the bathroom, and a large linen closet for added convenience. A secondary bathroom includes a tub, ideal for relaxation. Additional highlights include an indoor laundry room and a 2-car garage. This home combines comfort, space, and a great location—don’t miss the opportunity to make it yours!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,836
Sqft
0.18 ac
Lot size
2
Garage
2022
Year built
One
Levels
$204
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,160 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,160/mo
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.
vs edgeAI estimate
+5.1%
Days on market
84 vs 30 typical
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 Deltona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deltona. See the full Deltona guide →
DELTONA 32738 — neighborhood snapshot
Population
48,458
Median age
36.8
Median income
$76,394
Median home value
$257,700
Avg household
2.98
Households w/ children
6,144
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deltona market
$308K → $299K
Deltona median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Deltona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the DELTONA 32738 median. See the full Deltona market guide →
Paper trail
This home's history
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1325 WINTER GRAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1325 WINTER GRAY CIRCLE — 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.
Straight answers
1325 WINTER GRAY CIRCLE FAQs
What would the monthly payment be for 1325 WINTER GRAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,160/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 1325 WINTER GRAY 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 1325 WINTER GRAY CIRCLE?+
The most recent tax bill on record (2025) was $6,321. 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 1325 WINTER GRAY CIRCLE?+
The listing reports pets: Breed Restrictions. 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 Deltona?+
At $375,000, this home is listed about 17% above the Deltona median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1325 WINTER GRAY CIRCLE?+
Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of AROD PARTNERS REALTY · Beatriz Villegas. MLS #O6403845.
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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