640 DOGFISH LANE, DEBARY, FL, 32713
Pending64 days on marketListed May 21, 2026MLS #O6405072
About this home
640 DOGFISH LANE
Why wait for new construction? This beautifully UPGRADED home in the sought-after Rivington community of DeBary is ready and waiting for you with over $125K in designer upgrades and every detail thoughtfully finished for you! BUILT IN 2024 and still in excellent condition, this MOVE-IN READY 4-bedroom, 3-bath home sits on one of the best lots in the community - a PREMIUM CORNER homesite with NO NEIGHBORS to the right, an L-shaped driveway, charming storybook-style picket fence, and easy access to the COMMUNITY POOL and amenities! Inside, the light-filled layout feels fresh, modern, and elevated from the moment you walk through the chic front door. WOOD LOOK TILE flooring throughout the main level and LUXURY VINYL PLANK upstairs means NO CARPET anywhere in the home. Crown molding, upgraded lighting, designer fixtures, and thoughtful finishes create a polished look throughout. Take note – upgrades include a stained staircase handrail with metal balusters, whole-house gutters, WATER SOFTENER, Ecobee thermostat, and a fully enhanced GOURTMET KITCHEN featuring a range hood, GE French door refrigerator, FARMHOUSE SINK with soap dispenser and air switch, POT FILLER, stacked upper cabinetry with crown molding, and a dramatic WATERFALL ISLAND that anchors the OPEN CONCEPT living and dining spaces. The versatile floor plan offers a MAIN FLOOR BEDROOM, a great opportunity for a second primary suite downstairs complete with an attached full bath, making it ideal for guests, multi-generational living, or a private home office setup. Upstairs, the luxurious PRIMARY SUITE becomes a tranquil retreat that delivers peaceful views, WALK-IN CLOSET, and a spa-inspired en-suite bath with a SEAMLESS GLASS SHOWER enclosure, upgraded tile surround, an oversized 10” rain showerhead, separate SOAKING TUB, dual/split vanities, and windows that fill the space with natural light. Back on the main floor, sliding glass doors off the dining space open to the SCREENED LANAI and fenced backyard, creating easy indoor/outdoor living with room to relax, entertain, or enjoy the peaceful surroundings with Konomac Lake as the scenic backdrop. Living in Rivington means more than just owning a home - it is a lifestyle! This thoughtfully planned 296-acre community along the scenic St. Johns River features RESORT STYLE AMENITIES including a pool, clubhouse, cabana, and picturesque walking trails. Conveniently located just minutes from I-4 and approximately a quarter mile from the DeBary SunRail station, commuting to Lake Mary, Sanford, and Downtown Orlando is simple. Outdoor enthusiasts will also appreciate being close to Gemini Springs, River City Nature Park, and the Central Florida Zoo & Botanical Gardens. This upgraded, turnkey home is ready now and truly has it all - call today to schedule your tour. Welcome to Rivington! **Seller may consider buyer concessions if made in an offer**
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,889
Sqft
0.12 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$170
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.
$3,896 /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
$3,896/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
−5.7%
$/sqft vs Debary actives
$170 vs $205
Days on market
64 vs 31 typical
Where $170/sqft sits among the 108 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 →
DEBARY 32713 — neighborhood snapshot
Population
22,639
Median age
46.6
Median income
$87,354
Median home value
$306,800
Avg household
2.38
Households w/ children
2,294
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 108
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 DOGFISH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$396,000
635 CHEVAL LANE · same community
3 bd · 2.5 ba · 2,467 sqft · $161/sqft · 47 DOM
Sold · Jan ’26$512,990
728 TERRAPIN DRIVE
4 bd · 3.5 ba · 2,900 sqft · $177/sqft · 0 DOM
Sold · Jul ’25$515,000
737 HYPERION DRIVE
4 bd · 3.5 ba · 2,791 sqft · $185/sqft · 97 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 640 DOGFISH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 DOGFISH LANE — 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
640 DOGFISH LANE FAQs
What would the monthly payment be for 640 DOGFISH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,896/mo — principal and interest, the actual property-tax bill, the $12/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 640 DOGFISH LANE?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 640 DOGFISH LANE?+
The most recent tax bill on record (2025) was $7,472. 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 640 DOGFISH LANE?+
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 $490,000, this home is listed about 26% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 640 DOGFISH LANE?+
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
$490,000 runs 56% above the DEBARY 32713 median — but at 2,889 sqft it's also 64% larger than the typical Debary listing.
02Time on market is leverage
64 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 $499,000, now $490,000 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6405072.
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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