David Ramirez
$999,9993 bd3 ba2,015 sqft$496 /sqft$6,479 /mo all-in ↓

1645 SPRING GARDEN DRIVE, ASTOR, FL, 32102

Active23 days on marketListed Jun 30, 2026MLS #R4911451

WaterfrontSingle Family ResidenceNONE

About this home

1645 SPRING GARDEN DRIVE

Experience the ultimate Florida waterfront lifestyle from this exceptional 3-bedroom, 3-bath concrete block home with a 2-car garage situated on 0.60 beautifully landscaped acres along the majestic St. Johns River. Perfectly positioned in a no-wake zone, this remarkable property offers approximately 330 feet of river frontage and breathtaking panoramic water views—creating the perfect setting for boating, fishing, entertaining, or simply relaxing while enjoying Old Florida's natural beauty. Quality craftsmanship and comfort throughout, this well-insulated home offers over 2,000 square feet of living space featuring cathedral ceilings, elegant crown molding, and gorgeous ¾-inch real hardwood floors. This kitchen is a chef's dream, showcasing stunning Patagonia Crystal Quartzite countertops, premium KitchenAid appliances, abundant cabinetry, and an inviting eat-in dining area. Throughout the home you'll appreciate luxury light fixtures that add a fresh, modern touch. The spacious primary suite offers amazing river views, a walk-in his & hers closets, and an ensuite bathroom featuring a walk-in shower. Two additional bedrooms and bathrooms provide comfortable accommodations for family and guests. One of the home's standout features is the impressive butler’s pantry/laundry room, beautifully appointed with custom Calcite Crystal countertops, a sink and microwave and and a convenient pass-through serving window to the expansive Florida Room, making entertaining indoors and outdoors effortless. Step outside to the impressive 500-square-foot covered porch, where you'll enjoy breathtaking river views, spectacular sunsets, and abundant wildlife. The meticulously maintained grounds feature an irrigation system, lush landscaping, a relaxing fire pit, a riverfront bar and even a charming Chicken Condo, which can remain with the home at the buyer's request. Water and electrical service have been extended all the way to the dock, providing exceptional convenience for boating enthusiasts and waterfront entertaining. Roof & HVAC systems are recent. Whether you're looking for a luxury waterfront residence, an unforgettable weekend retreat, or an entertainer's paradise, this one-of-a-kind St. Johns River estate offers an unparalleled combination of quality, comfort, and location. Opportunities like this are exceptionally rare—schedule your private showing today and experience the very best of riverfront living.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,015

Sqft

0.6 ac

Lot size

2

Garage

1967

Year built

One

Levels

$496

Per sqft

WaterfrontTrees/Woods & Water view

Inside

FlooringCeramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ExteriorFire Pit · Garden · Lighting · Private Entrance · Sidewalk

Community & fees

Taxes (2025)$6,575/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,479 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property tax — 2025 actual bill$548
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $100,000Loan30-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% · $100,000
Interest rate6.00%
Loan term

Estimated payment

$6,479/mo

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property taxes (actual bill)$548
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.

List $1000K
$277KedgeAI estimate $430,067 · range $289K$715K$1.0M

vs edgeAI estimate

+132.5%

$/sqft vs NONE

$496 vs $335

Days on market

23 vs 32 typical

Where $496/sqft sits among the 272 homes for sale in NONE

149
57 · this home
23
14
11
18
$136–359$359–582$582–805$805–1028$1028–1251$1251+

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 1645 SPRING GARDEN DRIVE

Drive times from this address

Downtown Orlando72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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)

100 of 272

NONE have cut their price

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

This home is listed 328% above the ASTOR 32102 median. See the full Astor market guide →

Paper trail

This home's history

Jun 30, 2026Listed at $999,999 · 23 days on market since
1967Built · NONE

Reality check

What actually sold near 1645 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.

6160 WINNING WOOD TRAILSold · Nov ’25

$585,000

6160 WINNING WOOD TRAIL · same community

3 bd · 2 ba · 1,982 sqft · $295/sqft · 125 DOM

3905 SE 84TH LANE ROADSold · Dec ’25

$865,000

3905 SE 84TH LANE ROAD · same community

3 bd · 2 ba · 1,960 sqft · $441/sqft · 122 DOM

27281 TARBEL ROADSold · Dec ’25

$315,000

27281 TARBEL ROAD · same community

4 bd · 3 ba · 2,100 sqft · $150/sqft · 45 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 1645 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 1645 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

1645 SPRING GARDEN DRIVE FAQs

What would the monthly payment be for 1645 SPRING GARDEN DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,479/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 1645 SPRING GARDEN DRIVE?+

The most recent tax bill on record (2025) was $6,575. 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 $999,999, this home is listed about 301% above the Astor median of $249,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1645 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.

Listing courtesy of RIVER REALTY GROUP · Tracy Brainard. MLS #R4911451.

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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