285 ANCONA AVENUE, DEBARY, FL, 32713
Active0 days on marketListed Jul 24, 2026MLS #O6427331
About this home
285 ANCONA AVENUE
Welcome to luxury living in Riviera Bella community! This beautifully maintained 5-bedroom, 3-bath Mediterranean-style residence offers the perfect blend of elegance, privacy, security, and breathtaking natural surroundings. Ideally located just moments from the scenic St. Johns River, this impressive 3,851-square-foot home is situated on a generous 8,500-square-foot lot and welcomes you with a beautifully paved driveway and timeless Mediterranean architecture including a concrete barrel tile roof. As you enter this exceptional home, you are greeted in a foyer and modern Florida room gathering area showcasing a stunning upgraded accent wall and decorative ceiling beams that add warmth, character, and architectural contrast. The open-concept floor plan is designed for both everyday living and effortless entertaining, featuring a beautifully designed fireplace as the focal point of the spacious family room. The gourmet kitchen is sure to impress with neutral solid-surface stone countertops, abundant cabinetry, upgraded stainless steel appliances, a new Bosch dishwasher, gas cooktop, dual built-in ovens, microwave, and a generous center island overlooking the main living spaces. Walk in pantry and breakfast/bar with wine chiller completes this kitchen layout perfectly. The first floor also features a private guest bedroom and a beautifully remodeled full bath complete with modern glass shower doors, creating an ideal retreat for guests or multigenerational living. Upstairs, the luxurious primary suite offers an expansive bedroom with an elegant tray ceiling, a generously sized walk-in closet, and a spa-inspired bathroom featuring a relaxing tub, a spacious walk-in shower, and dual vanities. The second level also includes two additional bedrooms, a full bathroom, and a versatile loft/media room perfect for movie nights, a game room, or a secondary family gathering space. Additional upgrades include dual HVAC systems, providing enhanced comfort and energy efficiency throughout the home. Step outside to enjoy the generously sized, iron-fenced backyard and a beautifully paved covered porch, creating the perfect setting for outdoor dining, entertaining, or simply relaxing while enjoying the peaceful surroundings. Tucked away on a private cul-de-sac within the sought-after gated community of Riviera Bella, this exceptional home offers the ideal combination of luxury, privacy, and convenience, with easy access to the St. Johns River, shopping, dining, major highways, and Central Florida attractions. Community Amenities include an upscale Clubhouse, pool and walking trails! "Privacy" and "Luxury", two words to describe this amazing community and home. Seller is OPEN to assisting with a concession of UP TO $10000 at closing to help with rate buy down or closing costs. Don't miss this beautiful home. Schedule a showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,851
Sqft
0.2 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$169
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.
$4,722 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,722/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−9%
Days on market
0 vs 31 typical
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
Drive times from this address
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
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)
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 107% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
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 285 ANCONA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 285 ANCONA AVENUE — 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
285 ANCONA AVENUE FAQs
What would the monthly payment be for 285 ANCONA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,722/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 285 ANCONA AVENUE?+
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 285 ANCONA AVENUE?+
The most recent tax bill on record (2025) was $7,935. 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 285 ANCONA AVENUE?+
The listing reports pets: Cats OK, Dogs OK. 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 $650,000, this home is listed about 67% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 285 ANCONA AVENUE?+
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
$650,000 runs 107% above the DEBARY 32713 median — but at 3,851 sqft it's also nearly twice the size of the typical Debary listing.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Debary market that averages 31 — if it fits, move quickly.
04Strong 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 JASON MITCHELL REAL ESTATE FLO · Cathy Norman. MLS #O6427331.
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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