649 CHARMAGNE LANE, PORT ORANGE, FL, 32127
Active38 days on marketListed Sep 30, 2026MLS #O6444876
About this home
649 CHARMAGNE LANE
4-CAR GARAGE • CLASSIC CEDAR SIDING • 1.21 ACRES • COMMUNITY DOCK ON SPRUCE CREEK RIVER• ENTERTAINER'S BACKYARD • HEATED IN-GROUND POOL & OVERSIZED SPA • NEW ROOF 2025 • A+ SCHOOL SYSTEM • HOT WATER HEATER 2026 . ONE A/C SYSTEM REPACED IN 2021 and TWO ADDITIONAL A/C REPLACED IN 2023. BRING YOUR RV/BOAT/RECREATIONAL VEHICLES! Welcome to Bentwood, a private and established estate community of only 79 custom homes, offering a wonderful combination of acreage, privacy and convenience in the heart of Port Orange. This beautifully crafted Traditional Southern Coastal home features a distinctive cedar exterior, valued for its natural beauty, durability and dimensional stability. Cedar is traditionally known for its natural properties that can help it perform well in varying weather conditions. Its rich grain and timeless character beautifully complement the home's classic gables and covered porches. Situated on 1.21 acres surrounded by beautiful mature trees and established landscaping, this property gives you plenty of room to spread out and enjoy the outdoors. THE BACKYARD IS MADE FOR PARTIES AND ENTERTAINING! Designed with plenty of room for family and friends, the expansive outdoor setting features multiple seating and gathering areas, an in-ground pool and oversized spa, both heated by propane. The oversized spa was added in 2018, and the pool was resurfaced at the same time. A spacious screened back porch and fire pit provide even more places to gather and relax. From pool parties and family get-togethers to evenings around the fire or a quiet afternoon under the trees, this backyard was made to be enjoyed. Mature trees and lush landscaping provide privacy and shade, creating a wonderful outdoor setting to enjoy year-round. Need room for your cars and toys? The 4-car garage features high garage doors and a stand-up attic, providing plenty of additional storage. Many of the important updates have already been taken care of, including a NEW ROOF IN 2025 with plywood roof decking, water heater in 2026, one A/C system replaced in 2021 and two additional A/C systems replaced in 2023. Additional features include a termite bond, deep well, reverse-osmosis drinking water system in the kitchen and central vacuum system. Bentwood consists of just 79 custom homes and has low HOA fees of only $95 annually. Enjoy an easy walk to the COMMUNITY DOCK ON SPRUCE CREEK, or stroll over to Neighbor's General Store and Ice Cream Parlor. The home is located within a highly regarded school district and close to shopping, dining and everyday conveniences. Nearby All Park is a popular pirate-themed family park featuring multiple playgrounds, a splash pad, shaded walking areas, picnic pavilions and public restrooms. The adjoining Seemor Memorial Dog Park provides an additional recreational amenity for four-legged family members. Best of all, the beach is only about 15 minutes away! Acreage, privacy, mature trees, an entertainer's backyard, heated pool and oversized spa, an incredible 4-car garage, and plenty of room for your RV, boat and recreational vehicles—all in a convenient Port Orange location.
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
$267
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.
$8,548 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,548/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+33.4%
$/sqft vs Port Orange actives
$267 vs $219
Days on market
38 vs 62 typical
Where $267/sqft sits among the 202 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
$340K → $343K
Port Orange median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
108 of 202
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 190% 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
Colleen Brown
REALTOR® · 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
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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 7.5%, the all-in payment lands around $8,548/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. 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 $1,159,900, this home is listed about 238% above the Port Orange median of $343,500. 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
Three things that matter here
01Positioned at the premium end
$1,159,900 runs 190% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Rachel McGrath. MLS #O6444876.
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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