60 days on market (MLS)Single Family Residence▼ Price cut: $25,000 (9/27)
$450,000
3-Bedroom Home in Spruce Creek Fly In
3123 Waterway Place, Port Orange, FL 32128
Single Family Residence in Spruce Creek Fly In, Port Orange · No CDD on record
Spruce Creek Fly In · Port Orange, FL 32128 · Volusia County
Listing data updated October 10, 2026 at 4:53 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,649Sq Ft
1998Year Built
$273Per Sq Ft
Waterfront2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$273 here vs $274 median sold (12 mo)
Buyer leverage
Seller-leaning
60 days on market
3.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 3123 Waterway Place in Spruce Creek Fly In, Port Orange is listed at $450,000 (1,649 sq ft, about $273 per sq ft). It has been 60 days on market. Listing facts: built in 1998, waterfront, HOA dues of $166/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1998 · 28 yrs
1,649 sq ft of living area
2-car garage
Listed at $450,000 — recent neighborhood median sale price ~$535,000 (nearby sales; deemed reliable, not an appraisal)
60 days on market
HOA $166/mo (per listing)
Listing description
About this home
Paytas Built & Well Maintained 3 Bedroom 2 Bath home in sought after Spruce Creek Fly-In Community. Open & airy with a split floor plan. Family room opens to a covered lanai overlooking relaxing pond/nature views.
Kitchen offers updated custom cabinetry, granite counter tops, stainless appliances, eat-in bar area as well as separate breakfast nook. Master suite consists of large walk-in closet & ensuite bath with double vanity. Roof 2013, HVAC 2013, HWH 2019 & Insulated garage door 2011.
ADDITIONAL: Hurricane panels, Plantation shutters, Stained glass front door, Tray ceiling, Oversize two car garage, Sprinkler system & Beautifully landscaped. Spruce Creek Fly-In offers a private 4,000' paved lighted Runway 4000 x 176 (7FL6), a GPS approach & VASI lights. Home to approximately 440 aircraft including single, multi-engine, jets & helicopters.
The community is surrounded by over 1300 homes, commercial hangars, airport restaurant, salon, additional businesses, 24 hour gated/staffed
All 37 photos
Description provided by CENTURY 21 Sundance Realty and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$450,000
Bed / bath3 / 2
Living area1,649 sq ft
Year built1998
Property typeSingle Family Residence
Garage2-car
MLS #1229506
Listing status60 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
CountyVolusia
Area listings16 active · 3 under contract
Estimated first-year tax~$7,675/yr
CDD assessmentNone on record
HOA$166/mo
Calculated estimates
Price per sq ft$273
Estimated monthly payment$3,504
Insurance (illustrative)$2k–$4k/yr
Messtimate range$333,098 – $709,070
Comparable-sales median$535,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,504/mo
Principal & interest $2,493/mo71%
Taxes $640/mo18%
Insurance $206/mo6%
HOA $166/mo5%
$3,504/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Volusia County rate (19.21 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,475/yr ($373/mo) — taxable value $233,319 × 19.21 mills
$3,200 more each year
(+72%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$166,247
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$399,566
Market value
$284,041
Assessed
$233,319
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Volusia County School Board FY2025-26 adopted millage 5.279 (RLE 3.027); adopted 2025-09-09. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$166/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~24 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Volusia County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Volusia County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Spruce Creek Fly In Port Orange
Pricing & the Spruce Creek Fly In Port Orange market
How this home is priced against recent nearby sales, and where Spruce Creek Fly In Port Orange has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1998BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 60 cumulative days on market as of October 10, 2026
Aug 10, 2026First seen on movewithmomentum.comObserved at $475,000
Sep 27, 2026Price cut$450,000 (-$25,000, -5.3%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $450,000Momentum Realty · on market 60 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Spruce Creek Fly In in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jul 2026
$370,000
3232 Vail View Drive, Port Orange
3 / 2 bd/ba · 1,828 sq ft · $202/sq ft
Courtesy of Real Broker, LLC · View details →
Sold Jul 2026
$370,000
3232 Vail View Drive, Port Orange
3 / 2 bd/ba · 1,828 sq ft · $202/sq ft
Courtesy of Real Broker, LLC · View details →
Sold Aug 2026
$827,415
2625 Slow Flight Drive, Port Orange
3 / 2.5 bd/ba · 1,922 sq ft · $430/sq ft
Courtesy of Spruce Creek Fly-In Realty · View details →
Sold Aug 2026
$827,415
2625 Slow Flight Drive, Port Orange
3 / 2.5 bd/ba · 1,922 sq ft · $430/sq ft
Courtesy of Spruce Creek Fly-In Realty · View details →
Sold Aug 2026
$535,000
3183 Royal Birkdale Way, Port Orange
3 / 2 bd/ba · 1,956 sq ft · $274/sq ft
Courtesy of Collado Real Estate · View details →
Sold Aug 2026
$535,000
3183 Royal Birkdale Way, Port Orange
3 / 2 bd/ba · 1,956 sq ft · $274/sq ft
Courtesy of Collado Real Estate · View details →
Median of these 6 sales: $535,000 ($274/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$333,098the mess$709,070
Stronger local evidence — 6 comparable closed sales in Spruce Creek Fly In, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 113% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1998 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $166/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
13 active listings competing, 5 under contract
≈3.4 months of supply
54 closed here in the last 12 months
For reference, this home is listed at $450,000 ($273/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,649 sq ft × $202–$430/sq ft (interquartile band of 6 comparable closed sales in Spruce Creek Fly In, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Flood safety (95), Affordability (76)
0 limited50100 exceptional
70/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area51
This home $273/sq ft vs the community 12-month median $274/sq ft.
Affordability76
List price $450,000 vs the community median $535,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1998 build. Obtain a property-specific quote.
Market liquidity60
Community inventory, ~3.4 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $273 per square foot, about in line with the community’s $274 median. Spruce Creek Fly In Port Orange’s 12-month median sold price per square foot is $274. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 16 active listings in Spruce Creek Fly In Port Orange, no CDD assessment.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CENTURY 21 Sundance Realty · MLS # 1229506
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Keep looking
Similar homes for sale near Spruce Creek Fly In
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
AdventHealth opens urgent care and primary care clinics on State Road 44 in New Smyrna Beach
AdventHealth Primary Care at 2368 State Road 44 accepts patients ages 5 and up, and Centra Care next door offers walk-in urgent care seven days a week with onsite X-ray and lab. Centra Care is the system's first urgent care in New Smyrna Beach and its sixth in Volusia County.
Why it matters: Improves access to walk-in and primary medical services for the New Smyrna Beach area. The site is about 7 miles southeast of Spruce Creek Fly In.
Manufacturing and technology job fair set for Oct. 15 at Daytona State
Germfree, B. Braun, Teledyne, Embler Control Systems, Bylight, Pall Corporation and the Electrical Training Alliance will recruit at the Advanced Technology College on Williamson Boulevard in Daytona Beach. The fair runs 2:30 to 5:30 p.m., with a morning session for Volusia high school students.
Why it matters: Shows active hiring by regional manufacturing and technology employers. The site is about 8 miles north of Spruce Creek Fly In.
Port Orange council upholds award of $14.4 million Cambridge Canal pump station contract
The council voted 5-0 on Sept. 15 to deny a bid protest, keeping the $14.4 million contract with Gregori Construction for the Cambridge Canal and Pump Station upgrade. It is the city's largest stormwater project and aims to reduce flooding and tidal impacts. A formal contract award returns to the council.
Why it matters: Stormwater capacity upgrades bear on flood-risk management for nearby Port Orange areas. The site is about 5 miles northeast of Spruce Creek Fly In.
VoTran changes routes Oct. 4, adds DeLand express and discontinues two routes
Route 61X adds weekday service between the Transfer Plaza and the DeLand ITF via I-4, while Routes 33 and 70 are discontinued. A new VoRide Sunday zone in the Daytona Beach area replaces fixed Sunday service on Routes 3, 4, 10 and 15. The County Council approved the changes on June 16.
Why it matters: Changes commute options between Daytona Beach and DeLand and shifts some service to on-demand rides. The site is about 9 miles north of Spruce Creek Fly In.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Volusia County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Cypress CreekAssigned elementary school · Volusia County School District · Grade A (Florida DOE 2025-26)
GRADEA
CreeksideAssigned middle school · Volusia County School District · Grade A (Florida DOE 2025-26)
GRADEA
Spruce CreekAssigned high school · Volusia County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3123 Waterway Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1998 (28 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $166/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Volusia County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,649 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $7,675/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,200 more per year than the current owner’s estimated bill (+72%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
DBAAR closed sales in Spruce Creek Fly In, last 18 months, as of July 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3123 Waterway Place and when was it built?
Per the listing record, 3123 Waterway Place was built in 1998 and has 1,649 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3123 Waterway Place in?
3123 Waterway Place is in Spruce Creek Fly In in Port Orange, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3123 Waterway Place have an HOA, and how much are the dues?
The listing reports HOA dues of $166 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3123 Waterway Place differ from the current owner's?
The estimate on this page (about $7,675 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,200 more per year than the current owner’s estimated bill (+72%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3123 Waterway Place in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3123 Waterway Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
