649 CHARMAGNE LANE, PORT ORANGE, FL, 32127
Active95 days on marketListed May 1, 2026MLS #V4948659
About this home
649 CHARMAGNE LANE
Tucked away on over an acre of beautifully wooded privacy, this Bentwood estate is where everyday living feels like a private retreat. Welcome to 649 Charmagne Lane, a stunning estate nestled in the desirable Bentwood community of Port Orange. Situated on just under 1.25 acres, this expansive 5-bedroom, 5-bathroom home offers the perfect blend of luxury, privacy, and functionality. Designed with both entertaining and everyday living in mind, this residence features generous living spaces, a 4-car garage, and a thoughtfully designed layout ideal for hosting guests or creating your own private retreat. Step outside to your backyard oasis, complete with a recently repaved inground pool and spa, a cozy firepit, lush landscaping that creates a peaceful, secluded setting perfect for hosting or relaxing under the stars. The Bentwood community enhances lifestyles by offering exclusive access to the Spruce Creek River via a private community dock, which provides opportunities for kayaking, fishing, and scenic relaxation. This exceptional property delivers space, elegance, and a refined Florida lifestyle in one of Port Orange’s most sought-after neighborhoods
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,351
Sqft
1.21 ac
Lot size
4
Garage
1990
Year built
Two
Levels
$293
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.
$8,172 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,172/mo
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 Port Orange actives
$293 vs $220
Days on market
95 vs 39 typical
Where $293/sqft sits among the 214 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 Bentwood
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Orange. See the full Port Orange guide →
Bentwood — neighborhood snapshot
Population
764
Median age
47
Median income
$92,604
Median home value
$336,600
Avg household
3
Households w/ children
91%
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 → $377K
Port Orange median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
119 of 214
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 207% above the PORT ORANGE 32127 median. See the full Port Orange market guide →
Paper trail
This home's history
Reality check
What actually sold near 649 CHARMAGNE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$855,000
682 FERNCLIFF DRIVE · same community
4 bd · 4 ba · 3,173 sqft · $269/sqft · 260 DOM
Sold · Jun ’26$1,380,000
6402 LIMMERICK LANE
5 bd · 3.5 ba · 3,963 sqft · $348/sqft · 84 DOM
Sold · Jun ’26$920,000
5994 SEMINOLE WOODS DRIVE
5 bd · 4 ba · 3,948 sqft · $233/sqft · 82 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 649 CHARMAGNE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 649 CHARMAGNE LANE — 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
649 CHARMAGNE LANE FAQs
What would the monthly payment be for 649 CHARMAGNE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,172/mo — principal and interest, the actual property-tax bill, the $8/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 649 CHARMAGNE LANE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 649 CHARMAGNE LANE?+
The most recent tax bill on record (2025) was $7,751. 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 649 CHARMAGNE LANE?+
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 $1,275,000, this home is listed about 240% above the Port Orange median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 649 CHARMAGNE LANE?+
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
01Positioned at the premium end
$1,275,000 runs 207% above the PORT ORANGE 32127 median — but at 4,351 sqft it's also nearly 3 times the size of the typical Port Orange listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
95 days on market against a Port Orange median of 39 — sellers in this position are usually ready to negotiate.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ADVANTAGE · Eric Zimmerman. MLS #V4948659.
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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