6040 SPRUCE POINT CIRCLE, PORT ORANGE, FL, 32128
Active42 days on marketListed Jun 12, 2026MLS #O6416214
About this home
6040 SPRUCE POINT CIRCLE
Welcome home to this beautifully maintained custom brick residence in one of Port Orange's most desirable neighborhoods. Designed for both comfort and flexibility, this spacious split-bedroom floor plan offers over 2,100 square feet of living space, including a versatile flex room with French doors that is perfect for a home office, guest room, hobby space, or fitness studio. Vaulted ceilings and abundant natural light create an open, airy feel throughout the main living areas, while the updated kitchen features granite countertops, beautiful cabinetry, and a welcoming breakfast area for casual mornings at home. The private primary suite offers a relaxing retreat with a tray ceiling, bay window, dual walk-in closets, and a spacious bath. Step outside to the covered screened lanai overlooking mature landscaping and a beautifully maintained yard. With a side-entry garage, corner lot location, custom features, and pride of ownership throughout, this home delivers the space, quality, and lifestyle today's buyers are searching for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,132
Sqft
0.24 ac
Lot size
2
Garage
2001
Year built
One
Levels
$202
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.
$3,394 /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
$3,394/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
−0.5%
$/sqft vs Port Orange actives
$202 vs $218
Days on market
42 vs 37 typical
Where $202/sqft sits among the 221 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 South
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 South — neighborhood snapshot
Population
603
Median age
64
Median income
$83,988
Median home value
$392,900
Avg household
2
Households w/ children
38%
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 221
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 4% 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 6040 SPRUCE POINT CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$240,000
104 MAGNOLIA LOOP · same community
2 bd · 2 ba · 1,144 sqft · $210/sqft · 52 DOM
Sold · Jul ’25$210,000
98 CYPRESS POND ROAD · same community
2 bd · 2 ba · 1,004 sqft · $209/sqft · 52 DOM
Sold · Oct ’25$482,500
6109 SABAL POINT CIRCLE
3 bd · 2 ba · 2,112 sqft · $228/sqft · 75 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 6040 SPRUCE POINT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6040 SPRUCE POINT 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
6040 SPRUCE POINT CIRCLE FAQs
What would the monthly payment be for 6040 SPRUCE POINT CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,394/mo — principal and interest, the actual property-tax bill, the $29/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 6040 SPRUCE POINT CIRCLE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6040 SPRUCE POINT CIRCLE?+
The most recent tax bill on record (2026) was $5,805. 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 6040 SPRUCE POINT CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $429,900, this home is listed about 17% above the Port Orange median of $367,450. The market section on this page shows how the area is trending.
Which schools are assigned to 6040 SPRUCE POINT CIRCLE?+
Spruce Creek High School (high), Creekside Middle School (middle), Sweetwater Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PORT ORANGE 32128 market on paper
$429,900 is 4% below the PORT ORANGE 32128 median of $450,000, and at $202/sqft it sits under the Port Orange average of $248.
02Strong assigned schools
Spruce Creek High School, Creekside Middle School, Sweetwater Elementary School — Spruce Creek High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $450,000, now $429,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Alan Bloom. MLS #O6416214.
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.
Never miss a listing
New Port Orange homes, in your inbox
Like 6040 SPRUCE POINT CIRCLE but not quite? A daily digest of every new listing in Port Orange — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →