4 BLACK JACK CIRCLE, PORT ORANGE, FL, 32128
Active79 days on marketListed May 5, 2026MLS #O6404913
About this home
4 BLACK JACK CIRCLE
Welcome to your dream home! This charming 3-bedroom, 2-bath residence features elegant wood and tile flooring throughout and boasts a thoughtful split-bedroom layout. The master suite, located on one side of the living area, offers a spacious walk-in closet and a private en-suite bath for your comfort and convenience. Each bedroom is equipped with TV wall mounts and walk-in closets, ensuring ample storage and entertainment options. The two additional bedrooms are situated on the opposite side of the home, providing privacy and easy access to the well-appointed spare bath. Enjoy serene mornings with your coffee on the cozy lanai, conveniently located off the dining room, or take in the views of your backyard from the kitchen. Situated in a vibrant and welcoming neighborhood, this home is just minutes away from a Shopping Center, nightlife, dining options, venues, and parks. Plus, with quick access to I-95 and I-4 expressways, commuting is a breeze. Make this delightful home your own and experience the perfect blend of comfort and convenience! Do not delay! This property will be gone in an instant! Small Pets are allowed $250.00 Non-Refundable Pet Fee Tenant Liability Insurance **Required**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,294
Sqft
0.2 ac
Lot size
1
Garage
1988
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $219
Days on market
79 vs 37 typical
Where $2/sqft sits among the 220 Port Orange actives
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 Summer Trees
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Orange. See the full Port Orange guide →
Summer Trees — neighborhood snapshot
Population
742
Median age
64
Median income
$83,988
Median home value
$392,900
Avg household
2
Households w/ children
72%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Orange market
$355K → $371K
Port Orange median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
109 of 220
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 100% below the PORT ORANGE 32128 median. See the full Port Orange market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 BLACK JACK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$215,000
68 CYPRESS POND ROAD · same community
2 bd · 2 ba · 1,289 sqft · $167/sqft · 0 DOM
Sold · Feb ’26$225,000
62 CYPRESS POND ROAD · same community
2 bd · 2 ba · 1,309 sqft · $172/sqft · 219 DOM
Sold · Jun ’26$285,000
103 MAGNOLIA LOOP · same community
2 bd · 2 ba · 1,403 sqft · $203/sqft · 104 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4 BLACK JACK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 BLACK JACK 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
4 BLACK JACK CIRCLE FAQs
What would the monthly payment be for 4 BLACK JACK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4 BLACK JACK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,950, this home is listed about 99% below the Port Orange median of $367,450. The market section on this page shows how the area is trending.
Which schools are assigned to 4 BLACK JACK CIRCLE?+
Spruce Creek High School (high), Sweetwater Elementary School (elementary), Creekside Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PORT ORANGE 32128 market on paper
$1,950 is 100% below the PORT ORANGE 32128 median of $450,000, and at $2/sqft it sits under the Port Orange average of $248.
02Time on market is leverage
79 days on market against a Port Orange median of 37 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Spruce Creek High School, Sweetwater Elementary School, Creekside Middle School — Spruce Creek High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,200, now $1,950 — a $250 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Carissa Lawhun. MLS #O6404913.
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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