103 OLD MOSS CIRCLE, DELAND, FL, 32724
Active112 days on marketListed Apr 20, 2026MLS #V4948545
About this home
103 OLD MOSS CIRCLE
***** Buyers financing fell through. Their loss is your win ***** THOUGHTFULLY UPGRADED | POND VIEWS FRONT & BACK | LOW-MAINTENANCE LIVING IN VICTORIA GARDENS (55+) This well-maintained home is PACKED WITH PRACTICAL UPGRADES that make everyday living easier and more enjoyable. Highlights include a TANKLESS WATER HEATER, EPOXY-COATED GARAGE FLOOR, upgraded garage door with HEAVY SPRING COUNTERWEIGHT SYSTEM, and IN-WALL PEST CONTROL SYSTEM for added peace of mind. Two FRENCH DRAINS are already in place, and the exterior shines with UPDATED CURB APPEAL, including RIVER ROCK LANDSCAPING (NO MULCH) and refreshed flower beds. The outdoor space is designed for real use, featuring a SCREENED-IN PATIO WITH PAVERS, TWO SCREENED DOORS, and a fully equipped OUTDOOR KITCHEN WITH GRILL, FRIDGE, AND CODE-COMPLIANT VENTING—all set against a PEACEFUL POND VIEW IN BOTH THE FRONT AND BACK. Inside, the home feels CLEAN, CURRENT, AND EASY TO MAINTAIN. WOOD-LOOK TILE FLOORING runs through the main living areas for a sharp, durable finish, while PLANTATION SHUTTERS THROUGHOUT create a cohesive, polished look. The layout is OPEN AND FUNCTIONAL, offering space where it actually matters without feeling oversized. Triple sliding glass doors bring in natural light and connect the main living area seamlessly to the patio, blending indoor and outdoor living. The kitchen sits at the center, featuring STAINLESS STEEL APPLIANCES, a GAS COOKTOP, a CEMENT SINK WITH DISPOSAL, and a pantry with WOOD SHELVING for a more custom feel. The PRIMARY SUITE is privately positioned just off the living area, with TRAY CEILINGS and an en-suite bath offering both a SOAKING TUB and SEPARATE WALK-IN SHOWER. Located in the 55+ community of Victoria Gardens, this home offers a lifestyle where things feel a bit more relaxed, yet still convenient—just minutes to DOWNTOWN DELAND, shopping, dining, and major highways. Amenities include pool, large clubhouse with cafe, tennis, pickle and bocce ball courts. Fitness facilities with treadmills & gym plus a host of other activities for residents. CLEAN, WELL-KEPT, AND MOVE-IN READY, with the kind of upgrades that actually matter. PS: The location adds another layer of convenience. Just minutes away, DOWNTOWN DELAND offers a vibrant mix of local restaurants, boutique shopping, coffee spots, and community events, along with the charm of Stetson University and its beautiful historic campus. For everyday needs, the VICTORIA COMMONS SHOPPING AREA—located just across Orange Camp Road—puts grocery stores, dining, medical offices, and essential services right at your fingertips, making daily errands quick and easy without having to go far. Between the neighborhood setting and the nearby amenities, this is a location that truly balances PEACEFUL LIVING WITH PRACTICAL CONVENIENCE.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,001
Sqft
0.25 ac
Lot size
2
Garage
2021
Year built
One
Levels
$250
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.
$4,421 /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
$4,421/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
+16.8%
$/sqft vs Deland actives
$250 vs $204
Days on market
112 vs 47 typical
Where $250/sqft sits among the 400 Deland 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 Cresswind Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deland. See the full Deland guide →
Cresswind Gardens — neighborhood snapshot
Population
1,787
Median age
66
Median income
$85,781
Median home value
$381,500
Avg household
2
Households w/ children
90%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deland market
$335K → $349K
Deland median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
205 of 400
Deland actives have cut their price
Median sold price, Deland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the DELAND 32724 median. See the full Deland market guide →
Paper trail
This home's history
Reality check
What actually sold near 103 OLD MOSS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$410,000
1018 HERON POINT CIRCLE · same community
4 bd · 2.5 ba · 2,091 sqft · $196/sqft · 246 DOM
Sold · Jan ’26$300,000
107 WETHERSFIELD COURT · same community
3 bd · 2 ba · 1,773 sqft · $169/sqft · 138 DOM
Sold · Jul ’26$450,000
1226 HERON POINT WAY · same community
4 bd · 3 ba · 2,271 sqft · $198/sqft · 19 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 103 OLD MOSS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 OLD MOSS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
103 OLD MOSS CIRCLE FAQs
What would the monthly payment be for 103 OLD MOSS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,421/mo — principal and interest, the actual property-tax bill, the $546/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 103 OLD MOSS CIRCLE?+
The association fee works out to $546 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 103 OLD MOSS CIRCLE?+
The most recent tax bill on record (2025) was $6,634. 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 103 OLD MOSS CIRCLE?+
The listing reports pets: 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 Deland?+
At $499,600, this home is listed about 32% above the Deland median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 103 OLD MOSS CIRCLE?+
Freedom Elementary School (elementary), Deland Middle School (middle), Deland High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$499,600 runs 58% above the DELAND 32724 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $546/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
112 days on market against a Deland median of 47 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $550,000, now $499,600 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEE REALTY CORP · Bee Powell. MLS #V4948545.
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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