640 CHESTNUT AVENUE, ORANGE CITY, FL, 32763
Active176 days on marketListed Feb 16, 2026MLS #O6382570
About this home
640 CHESTNUT AVENUE
Welcome to this move-in ready 3 bedroom, 2 bathroom home in Orange City, offering the space, location, and freedom buyers are looking for with NO HOA. The well-kept interior features beautiful wood flooring throughout the main living areas, while the kitchen offers granite countertops, stainless steel appliances, and plenty of space for everyday living. Tile flooring in the bathrooms and laundry room adds durability and easy maintenance. Outside, enjoy a spacious 0.23 acre lot with a large backyard ready for entertaining, pets, gardening, or creating your own outdoor retreat. The location is another standout feature, just minutes from Blue Spring State Park and convenient to shopping, dining, and I-4 for easy travel throughout Central Florida, while allowing you to enjoy life away from the heavier Orlando traffic. Whether you're a first-time buyer or simply looking for a well-cared-for home with no HOA, this one deserves a spot at the top of your list. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,159
Sqft
0.24 ac
Lot size
1
Garage
2020
Year built
One
Levels
$272
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 — not generic estimates.
$2,563 /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
$2,563/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
+14.3%
$/sqft vs Orange City actives
$272 vs $211
Days on market
176 vs 50 typical
Where $272/sqft sits among the 76 Orange City 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 Orange City Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Orange City. See the full Orange City guide →
Orange City Terrace — neighborhood snapshot
Population
1,877
Median age
41
Median income
$81,291
Median home value
$234,341
Avg household
2
Households w/ children
252
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Orange City market
$320K → $295K
Orange City median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
36 of 76
Orange City actives have cut their price
Median sold price, Orange City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the ORANGE CITY 32763 median. See the full Orange City market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 CHESTNUT AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$259,000
680 BUFORD AVENUE · same community
2 bd · 2 ba · 1,140 sqft · $227/sqft · 55 DOM
Sold · Jan ’26$269,000
571 JAMES STREET · same community
2 bd · 1 ba · 1,120 sqft · $240/sqft · 103 DOM
Sold · Apr ’26$115,000
660 WALNUT AVENUE · same community
3 bd · 2 ba · 1,117 sqft · $103/sqft · 0 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 640 CHESTNUT AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 CHESTNUT AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
640 CHESTNUT AVENUE FAQs
What would the monthly payment be for 640 CHESTNUT AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,563/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 640 CHESTNUT AVENUE?+
The most recent tax bill on record (2025) was $4,910. 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 Orange City?+
At $315,000, this home is listed about 5% below the Orange City median of $331,785. The market section on this page shows how the area is trending.
Which schools are assigned to 640 CHESTNUT AVENUE?+
River Springs Middle School (middle), Manatee Cove Elementary School (elementary), University High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Pedro Lopez Torres. MLS #O6382570.
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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