45 LAKE DRIVE, DEBARY, FL, 32713
Active85 days on marketListed Apr 30, 2026MLS #O6403277
About this home
45 LAKE DRIVE
Virtually Staged. Welcome to this beautifully maintained 3-bedroom, 2-bathroom home just listed at 45 Lake Dr in DeBary! Situated on nearly half an acre, this property offers plenty of space and flexibility—with room to park your boat or RV and no HOA restrictions. Step inside to an inviting open floor plan highlighted by high ceilings that create a bright and spacious feel. The thoughtfully designed split layout places the primary bedroom on the opposite side of the home from the secondary bedrooms, offering added privacy. The kitchen features stainless steel appliances, brand-new countertops, and a cozy space perfect for a small dinette set. The home has been freshly painted both inside and out, giving it a clean, modern feel throughout. Enjoy Florida living at its best on the screened-in back porch—the perfect spot to sip your morning coffee or unwind with a glass of wine in the evening. The fully fenced backyard also includes two storage sheds, offering plenty of room for tools, hobbies, or extra storage. The home has a BRAND NEW ROOF, NEW AC UNITS, NEW WATER HEATER, SEPTIC TANK LID WAS REPLACED, NEW RAIN GUTTERS. TERMITE BOND, AND MOST OF THE SIDING HAS BEEN REPLACED. Conveniently located near shopping, dining, and everyday essentials, this home combines comfort, functionality, and location. Don’t miss your chance—come see this beautiful home today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,364
Sqft
0.44 ac
Lot size
2
Garage
1992
Year built
One
Levels
$241
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.
$2,630 /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
$2,630/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
+7.7%
$/sqft vs Debary actives
$241 vs $205
Days on market
85 vs 31 typical
Where $241/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 Millers Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
Millers Acres — neighborhood snapshot
Population
589
Median age
41
Median income
$91,821
Median home value
$284,800
Avg household
2
Households w/ children
111
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)
46 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 6% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$299,000
42 SMYRNA DRIVE · same community
2 bd · 1 ba · 1,248 sqft · $240/sqft · 12 DOM
Sold · Feb ’26$1,450,000
6611 SW 99th Ave, Miami FL 33173 · same community
4 bd · 3 ba · 3,526 sqft · $411/sqft · 4 DOM
Sold · Jun ’26$354,465
547 ORIENT AVENUE
3 bd · 2.5 ba · 1,496 sqft · $237/sqft · 132 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 45 LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 LAKE 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
45 LAKE DRIVE FAQs
What would the monthly payment be for 45 LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,630/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 45 LAKE DRIVE?+
The most recent tax bill on record (2025) was $4,651. 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 45 LAKE 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 $329,000, this home is listed about 16% below the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 45 LAKE DRIVE?+
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
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
85 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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rebecca Simms. MLS #O6403277.
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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