639 TERRAPIN DRIVE, DEBARY, FL, 32713
Active94 days on marketListed Apr 30, 2026MLS #O6402020
About this home
639 TERRAPIN DRIVE
**Sales office to be converted to garage prior to close** Why wait months for new construction when you can move right into this never-occupied former model home, perfectly positioned on a premium corner lot in the peaceful community of Rivington? This meticulously maintained single-story residence offers a seamless blend of style, comfort, and functionality. Just off the foyer, three spacious secondary bedrooms are thoughtfully situated with convenient access to a full bath—ideal for guests, family, or a home office setup. The heart of the home opens into a light-filled, open-concept living space, where a well-appointed kitchen flows effortlessly into the dining area and expansive family room—perfect for both everyday living and entertaining. Sliding glass doors lead to an oversized covered lanai, extending your living space outdoors. The fully fenced rear yard provides privacy and endless potential—an ideal canvas to create your dream outdoor oasis, all while enjoying tranquil, unobstructed pond views. Privately tucked away at the rear of the home, the luxurious owner’s suite serves as a serene retreat, complete with a spa-inspired en-suite bathroom and an oversized walk-in closet. A spacious two-car garage adds everyday convenience. Residents of Rivington enjoy access to a beautifully designed clubhouse and resort-style pool, fostering a vibrant and connected community lifestyle. Ideally located near the charm of DeBary, you’ll have quick access to outdoor destinations like Gemini Springs Park and Black Bear Wilderness Area. Commuting is a breeze with the nearby SunRail station, while major roadways including I-4, SR-429, and US-17 place shopping, dining, and top-rated schools just minutes away. This is a rare opportunity to own a move-in-ready model home with premium features, scenic views, and exceptional convenience—without the wait.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,196
Sqft
0.18 ac
Lot size
2
Garage
2025
Year built
One
Levels
$232
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.
$3,799 /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
$3,799/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
+20.8%
$/sqft vs Debary actives
$232 vs $205
Days on market
94 vs 31 typical
Where $232/sqft sits among the 105 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 Debary
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
The numbers that matter
The Debary market
$393K → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
45 of 105
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 639 TERRAPIN DRIVE
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$383,990
754 RIVINGTON AVENUE · same community
4 bd · 2.5 ba · 2,023 sqft · $190/sqft · 0 DOM
Sold · Mar ’26$385,290
770 RIVINGTON AVENUE · same community
4 bd · 3 ba · 2,023 sqft · $190/sqft · 0 DOM
Sold · Feb ’26$512,990
675 TERRAPIN DRIVE · same community
4 bd · 3.5 ba · 2,900 sqft · $177/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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 639 TERRAPIN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 639 TERRAPIN DRIVE — 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
639 TERRAPIN DRIVE FAQs
What would the monthly payment be for 639 TERRAPIN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,799/mo — principal and interest, the actual property-tax bill, the $146/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 639 TERRAPIN DRIVE?+
The association fee works out to $146 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 639 TERRAPIN DRIVE?+
The most recent tax bill on record (2025) was $3,186. 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 639 TERRAPIN DRIVE?+
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 $509,950, this home is listed about 31% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PRIME PROPERTIES · Nick Whitehouse. MLS #O6402020.
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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