281 ANCONA AVENUE, DEBARY, FL, 32713
Active513 days on marketListed Feb 26, 2025MLS #O6284942
About this home
281 ANCONA AVENUE
Short Sale. ***SHORT SALE***SHORTSALE****SHORT SALE*** Bank Approved Price!! Can close quickly!! Welcome to luxury living in the highly sought-after gated community of Riviera Bella in DeBary! This stunning 4-bedroom, 3.5-bath home offers an impressive 3,430 sq ft of thoughtfully designed space, perfectly positioned on an oversized cul-de-sac lot with a fully fenced backyard and no rear neighbors—providing both privacy and peace. Step outside and unwind in your beautifully paved patio area, complete with a cozy fire pit—ideal for entertaining or relaxing under the stars. Inside, the home showcases modern elegance with 5.5-inch baseboards, crown molding, upgraded light fixtures, and integrated smart home technology. The flexible floor plan features a spacious bonus room on the first floor and a loft on the second, offering endless possibilities for additional bedrooms, a home office, media room, or play space tailored to your lifestyle. The gourmet kitchen is a true centerpiece, featuring crisp white cabinetry, quartz countertops, a large island, stainless steel appliances, a porcelain farmhouse sink, and a generous walk-in pantry—perfect for both everyday living and hosting guests. Enjoy energy efficiency and long-term savings with natural gas appliances (water heater, stove, and dryer), superior insulation, and solar panels that keep electric bills low—plus, the solar panels are transferable to the new owner! For added peace of mind, the home is also pre-wired for a generator, ensuring key systems remain powered during storms. Riviera Bella offers resort-style amenities, including a private boat ramp with direct access to the St. Johns River—perfect for boating, fishing, and kayaking. Residents also enjoy a community pool, fitness center, and playground. Conveniently located just 33 minutes from downtown Orlando and 45 minutes to Florida’s beautiful beaches, with easy access to I-4, 417, U.S. Highway 17/92 and nearby shopping and dining. This home truly combines luxury, comfort, and lifestyle—don’t miss your opportunity to make it yours! Come see it today!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,430
Sqft
0.21 ac
Lot size
3
Garage
2018
Year built
Two
Levels
$137
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.
$3,983 /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
$3,983/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
−36.6%
$/sqft vs Debary actives
$137 vs $205
Days on market
513 vs 31 typical
Where $137/sqft sits among the 109 Debary 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 St. Johns River Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
St. Johns River Estates — neighborhood snapshot
Population
480
Median age
46
Median income
$123,261
Median home value
$413,500
Avg household
3
Households w/ children
42%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Debary market
$393K → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
45 of 109
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 281 ANCONA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,224,000
438 FORT FLORIDA ROAD
5 bd · 4 ba · 3,482 sqft · $352/sqft · 108 DOM
Sold · Jan ’26$602,990
709 TERRAPIN DRIVE
4 bd · 4 ba · 3,216 sqft · $187/sqft · 39 DOM
Sold · Oct ’25$599,000
669 TERRAPIN DRIVE
4 bd · 4 ba · 3,216 sqft · $186/sqft · 61 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 281 ANCONA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 281 ANCONA AVENUE — 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
281 ANCONA AVENUE FAQs
What would the monthly payment be for 281 ANCONA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,983/mo — principal and interest, the actual property-tax bill, the $150/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 281 ANCONA AVENUE?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 281 ANCONA AVENUE?+
The most recent tax bill on record (2024) was $8,381. 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 281 ANCONA AVENUE?+
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 Debary?+
At $469,900, this home is listed about 21% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 281 ANCONA AVENUE?+
Debary Elementary School (elementary), University High School (high), River Springs 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
$469,900 runs 50% above the DEBARY 32713 median — but at 3,430 sqft it's also nearly twice the size of the typical Debary listing.
02Time on market is leverage
513 days on market against a Debary median of 31 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Debary Elementary School, University High School, River Springs Middle School — Debary Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $700,000, now $469,900 — a $230K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEW HEIGHTS REALTY GROUP · Daniel Rodriguez. MLS #O6284942.
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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