David Ramirez
$529,0005 bd3.5 ba2,830 sqft$187 /sqft$4,107 /mo all-in ↓

358 LAZIO CIRCLE, DEBARY, FL, 32713

Active37 days on marketListed Jun 17, 2026MLS #O6412279

Private poolSingle Family ResidenceRIVIERA BELLA UN 8A

Come see it

Upcoming open house

Sat, Jul 25

12:00 PM – 3:00 PM

About this home

358 LAZIO CIRCLE

Welcome to 358 Lazio Circle, a beautifully maintained pool home located in the highly desirable Riviera Bella community of DeBary. From the moment you arrive, the home makes a lasting impression with its beautifully landscaped curb appeal, pavered front screened enclosure, exterior lighting, and elegant stone façade at the entry. Designed for Florida living, this home features a private outdoor retreat with a beautiful pool, fully landscaped backyard, artificial turf, private fencing, and exterior lighting, making it the perfect space for relaxing, entertaining, or enjoying year-round sunshine. The home also includes solar panels that will be paid off by the seller at closing, offering added value and energy efficiency. Inside, you’ll find a bright and inviting floor plan filled with natural light throughout, featuring crown molding, chair railing, tile flooring, a convenient coat closet, and a versatile flex room upon entry that can be used as a formal dining space, home office, sitting room, or playroom. A half bath downstairs adds everyday convenience for guests. The kitchen is designed for both function and style, offering granite countertops, a tile backsplash, Whirlpool appliances, a gas stove, dual sinks, and a spacious walk-in pantry. Sliding glass doors provide easy access to the outdoor living space, creating a seamless flow between the kitchen and backyard. The first-floor primary suite provides a comfortable private retreat with a dual-sink vanity, walk-in shower stall, private water closet, and a built-in closet system. Upstairs, you’ll find a spacious flex landing area, four additional bedrooms, two full bathrooms, and a conveniently located upstairs laundry room. Additional features include two-panel doors, a water softener, and thoughtful finishes throughout. Located in the gated, Mediterranean-inspired Riviera Bella community along the St. Johns River, residents enjoy access to resort-style amenities including a clubhouse, fitness center, community pool, splash pad, playground, riverfront park, boat ramp, and more. This location offers convenient access to SunRail, I-4, shopping, dining, golf, Lake Mary, Orlando, Daytona Beach, and St. Johns River recreation. With its private pool, flexible layout, energy-efficient solar, and prime DeBary location, 358 Lazio Circle is a home you do not want to miss. Schedule your showing today! Use our preferred lender and receive $2,000 toward closing costs. Purchase this home, and if YOU are not satisfied, we’ll SELL IT FOR FREE! First responders and military members, ask about our appreciation discount. Exclusive offer: purchase this home with VA 0% down available for those who qualify. Rate buydown options are also available. For more information on these exclusive offers, call the listing agent directly using the information below.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

2,830

Sqft

0.13 ac

Lot size

2

Garage

2021

Year built

Two

Levels

$187

Per sqft

Private poolPool viewNegotiablePets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Chair Rail · Crown Molding · Eating Space In Kitchen · Open Floorplan · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationConcrete Perimeter · Slab
ViewPool
FacesEast
ParkingCovered · Driveway
ExteriorLighting · Private Mailbox · Private Yard · Sliding Doors

Community & fees

HOA fee$150/mo
Taxes (2025)$5,386/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Private Boat Ramp · River · Water Access · Waterfront · Clubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Park · Playground · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Natural Gas Available · Natural Gas Connected · Public · Sewer Available · Sewer Connected · Solar · Water Available · Water Connected
WaterPublic

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.

$4,107 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property tax — 2025 actual bill$449
HOA fee — from the listing$150
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,515
Interest rate6.00%
Loan term

Estimated payment

$4,107/mo

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$449
HOA / condo fee$150
Est. insurance$160

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.

List $529K
$508KedgeAI estimate $869,143 · range $748K$917K$954K

vs edgeAI estimate

−39.1%

$/sqft vs Debary actives

$187 vs $208

Days on market

37 vs 31 typical

Where $187/sqft sits among the 110 Debary actives

23
29 · this home
22
20
7
9
$161–183$183–205$205–226$226–248$248–270$270+

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

Map of 358 LAZIO CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Orlando39 min
Universal Orlando52 min
Orlando Int’l Airport (MCO)58 min
Walt Disney World64 min

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

ElementaryDebary Elementary School★★★★
HighUniversity High School★★★★★
MiddleRiver Springs Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Debary market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$393K$391K

Debary median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

47 of 110

Debary actives have cut their price

Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 70% above the DEBARY 32713 median. See the full Debary market guide →

Paper trail

This home's history

Jun 17, 2026Listed at $529,000 · 37 days on market since
2021Built · RIVIERA BELLA UN 8A

Reality check

What actually sold near 358 LAZIO CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

303 LAZIO CIRCLESold · May ’26

$389,900

303 LAZIO CIRCLE · same community

3 bd · 2 ba · 1,706 sqft · $229/sqft · 46 DOM

411 LAZIO CIRCLESold · Apr ’26

$403,000

411 LAZIO CIRCLE

5 bd · 3.5 ba · 2,830 sqft · $142/sqft · 63 DOM

351 LAZIO CIRCLESold · Dec ’25

$419,900

351 LAZIO CIRCLE

5 bd · 3.5 ba · 2,807 sqft · $150/sqft · 287 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 358 LAZIO CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 358 LAZIO CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

358 LAZIO CIRCLE FAQs

What would the monthly payment be for 358 LAZIO CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,107/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 358 LAZIO CIRCLE?+

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 358 LAZIO CIRCLE?+

The most recent tax bill on record (2025) was $5,386. 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 358 LAZIO CIRCLE?+

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 $529,000, this home is listed about 36% above the Debary median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 358 LAZIO CIRCLE?+

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

01Positioned at the premium end

$529,000 runs 70% above the DEBARY 32713 median — but at 2,830 sqft it's also 60% larger than the typical Debary listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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.

Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Taylor Benfield. MLS #O6412279.

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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