David Ramirez
$795,000$945,0002 bd2 ba1,838 sqft$433 /sqft$5,275 /mo all-in ↓

1621 SPRING GARDEN DRIVE, ASTOR, FL, 32102

Active164 days on marketListed Feb 7, 2026MLS #OM718329

Reduced $150KWaterfrontFully furnishedSingle Family ResidenceORMOND JUNGLE DEN CAMPSITES UN

About this home

1621 SPRING GARDEN DRIVE

Huge Price Reduction, 150K off original list price - Let's Make a Deal! THIS IS PERFECT!! Welcome to 1621 SPRING GARDEN DRIVE your New Florida Waterfront DOLL HOUSE - Generously, Offered as a FULLY FURNISHED Opportunity - You can MOVE IN Immediately OR start your Short Term Rental business right NOW! 2 bedrooms/2 bathrooms/2 car garage/2 boat lifts. 80' fully docked canal frontage situated just a few homes east of the historic St John's River - This prime location offers easy access to legendary fishing and recreation in and around Lake George. DO NOT LET THE AGE of THIS HOME FOOL YOU - this place has it all - Upgrades and UPDATES everywhere completed in 2024 and 2025 include but are not limited to HVAC and ductwork, Luxury Vinyl Plank Flooring throughout, Kitchen cabinets and appliance package, Water Heater, Windows, Doors, Switches and Receptacles, Bathrooms with tiled showers and plumbing fixtures, Attic insulation, Soffits, Gutters, Downspouts, Shark Coating on garage and lanai floor, Dock electric, frame and decking. Long Life Metal Roof completed in 2015. This property is an ABSOLUTE MUST SEE in person, words and pictures simply can not do it justice! Hurry, it's time for you to experience REAL CENTRAL Florida waterfront living - all within 30 minutes of Daytona Beach. Get your Penny's Worth from Today's Real Estate Market before someone else does!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,838

Sqft

0.32 ac

Lot size

2

Garage

1974

Year built

One

Levels

$433

Per sqft

WaterfrontFireplaceWater viewFurnished

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Solid Surface Counters · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Heat Pump
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionBlock · Concrete
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorLighting · Private Mailbox · Rain Gutters

Community & fees

Taxes (2025)$6,327/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable 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 — not generic estimates.

$5,275 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property tax — 2025 actual bill$527
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,500Loan30-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% · $79,500
Interest rate6.00%
Loan term

Estimated payment

$5,275/mo

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property taxes (actual bill)$527
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 Astor actives

$433 vs $224

Days on market

164 vs 32 typical

Where $433/sqft sits among the 35 Astor actives

9
17
1
2 · this home
2
4
$96–203$203–309$309–416$416–522$522–629$629+

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 Astor

Map of 1621 SPRING GARDEN DRIVE

Get to know Astor. See the full Astor guide →

ASTOR 32102 — neighborhood snapshot

Population

2,401

Median age

59

Median income

$56,598

Median home value

$142,500

Avg household

1.94

Households w/ children

97%

For the school run

Lake County School District

ElementarySpring Creek Charter School★★★★★
MiddleUmatilla Middle School★★★★★
HighUmatilla High School★★★★★

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

The numbers that matter

The Astor market

Seller’s marketLeans buyer12.6 months of inventoryBuyer’s market

$235K$250K

Astor median sold, yr/yr

89.9%

Sale-to-list ratio (12 mo)

19 of 35

Astor actives have cut their price

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

This home is listed 227% above the ASTOR 32102 median. See the full Astor market guide →

Paper trail

This home's history

CurrentPrice reduced to $795,000 $150K
Feb 7, 2026Listed at $945,000 · 164 days on market since
1974Built · ORMOND JUNGLE DEN CAMPSITES UN

Reality check

What actually sold near 1621 SPRING GARDEN DRIVE

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

1639 YELLOW BRICK ROADSold · Sep ’25

$426,000

1639 YELLOW BRICK ROAD

3 bd · 2 ba · 1,769 sqft · $241/sqft · 97 DOM

55705 KEITH STREETSold · Aug ’25

$285,000

55705 KEITH STREET

2 bd · 2.5 ba · 1,636 sqft · $174/sqft · 14 DOM

55746 CARL STREETSold · Feb ’26

$280,000

55746 CARL STREET

3 bd · 2.5 ba · 2,072 sqft · $135/sqft · 11 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 1621 SPRING GARDEN DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1621 SPRING GARDEN DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

1621 SPRING GARDEN DRIVE FAQs

What would the monthly payment be for 1621 SPRING GARDEN DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,275/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1621 SPRING GARDEN DRIVE?+

The most recent tax bill on record (2025) was $6,327. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Astor?+

At $795,000, this home is listed about 219% above the Astor median of $249,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1621 SPRING GARDEN DRIVE?+

Spring Creek Charter School (elementary), Umatilla Middle School (middle), Umatilla High School (high) — Lake 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

$795,000 runs 227% above the ASTOR 32102 median — but at 1,838 sqft it's also 55% larger than the typical Astor listing.

02Waterfront living

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

03Time on market is leverage

164 days on market against a Astor median of 32 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $945,000, now $795,000 — a $150K cut. The full history is in the market section below.

Listing courtesy of PRETTY PENNY PROPERTIES, INC. · Kenneth Penny. MLS #OM718329.

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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