2632 DERBY DRIVE, DELTONA, FL, 32738
Active87 days on marketListed Apr 29, 2026MLS #O6402166
About this home
2632 DERBY DRIVE
Welcome to 2632 Derby Dr, a beautiful 3-bedroom, 2-bath home nestled in the desirable Deltona Lakes community of Deltona with NO HOA and NO Rear Neighbors!! Offering 1,214 square feet of thoughtfully designed living space on a generously sized lot just under a quarter acre, this property delivers comfort, functionality, and value in one inviting package. Step inside to discover soaring vaulted ceilings in the living room that create a bright, open atmosphere filled with natural light. The seamless flow from the living area into the dining space makes everyday living and entertaining effortless. The galley-style kitchen is both practical and stylish, featuring ample cabinet and counter space along with included appliances, perfect for daily cooking or hosting guests. Recent upgrades elevate the home’s appeal, including new Vinyl Plank flooring, updated ceiling fans, and fresh interior and exterior paint—making this home truly move-in ready. The split-bedroom layout offers flexibility for families, guests, or a home office setup. Enjoy Florida living at its best in the expansive screened-in back patio, ideal for relaxing evenings or weekend gatherings. Beyond, the spacious backyard provides endless possibilities for outdoor activities, pets, or future enhancements. A unique bonus is the air-conditioned shed, perfect for a workshop, storage, or even a creative space. Major updates include a roof replacement in 2021, offering peace of mind for years to come. Conveniently located near parks, schools, shopping, and dining, this home also provides quick access to I-4, making commutes to Sanford, Orlando, and Daytona Beach simple and efficient. Enjoy being approximately 30 minutes from the famous coastline and under an hour from world-renowned attractions like Walt Disney World, Universal Studios Florida, and SeaWorld Orlando. Whether you’re searching for a primary residence or a smart investment opportunity, this home offers the perfect balance of suburban tranquility and proximity to Central Florida’s top destinations. 3D Tour available
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,214
Sqft
0.23 ac
Lot size
1
Garage
1987
Year built
One
Levels
$214
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.
$2,116 /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
$2,116/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
+1.6%
$/sqft vs DELTONA LAKES UNIT 32
$214 vs $220
Days on market
87 vs 30 typical
Where $214/sqft sits among the 20 homes for sale in DELTONA LAKES UNIT 32
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 Deltona Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deltona. See the full Deltona guide →
Deltona Lakes — neighborhood snapshot
Population
86,681
Median age
40
Median income
$72,296
Median home value
$254,238
Avg household
3
Households w/ children
10,582
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deltona market
$308K → $299K
Deltona median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
5 of 20
DELTONA LAKES UNIT 32 have cut their price
Median sold price, Deltona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the DELTONA 32738 median. See the full Deltona market guide →
Paper trail
This home's history
Reality check
What actually sold near 2632 DERBY 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$225,000
2840 W COVINGTON DRIVE · same community
3 bd · 2 ba · 1,198 sqft · $188/sqft · 28 DOM
Sold · Aug ’25$310,000
3055 KIRKLAND STREET · same community
3 bd · 2 ba · 1,308 sqft · $237/sqft · 19 DOM
Sold · Apr ’26$295,000
2315 ACADEMY AVENUE · same community
3 bd · 2 ba · 1,322 sqft · $223/sqft · 40 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 2632 DERBY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2632 DERBY 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
2632 DERBY DRIVE FAQs
What would the monthly payment be for 2632 DERBY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,116/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 2632 DERBY DRIVE?+
The most recent tax bill on record (2025) was $3,720. 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 Deltona?+
At $260,000, this home is listed about 19% below the Deltona median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2632 DERBY DRIVE?+
Forest Lake Elementary School (elementary), Deltona Middle School (middle), Deltona High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DELTONA 32738 market on paper
$260,000 is 7% below the DELTONA 32738 median of $278,999.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
87 days on market against a Deltona median of 30 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $270,000, now $260,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Bob Bretz, PA. MLS #O6402166.
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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