109 FERN DRIVE, DEBARY, FL, 32713
Active497 days on marketListed Mar 24, 2025MLS #TB8363913
About this home
109 FERN DRIVE
One or more photo(s) has been virtually staged. "River Front Community"- St. Johns River front (Meadowlea on The River), private gated community, with boat ramp and Marina. (no more marinas can be built along the river). We are 250 home, owners of our lots, no age restrictions, pet friendly. Clubhouse with kitchen, pool tables, bingo, dances, events. Storage on site for your toys- boats, Rv's, trailers, cycles. House: 1972 double wide with add -ons, I am 2nd owner. Standing seam metal roof-over, updated electric, plumbing and 5 yr. new AC Mini Split 11/2 ton heat pump, instant propane water heater, paint inside and out, sunscreens, window tint, stained driveway, enclosed carport, wood flooring, kitchen, bathroom. Landscaped , little lawn maintenance. Full bath in shop for after beach, pool, boating, working outside. Home has lots of extra storage, hurricane straps, concrete pillars, is short distance to pool, marina, park, clubhouse. Across street of home, reserve can't be built on. (current home owners insurance, $1,800/yr.) Area Pluses: Low Volusia County. taxes, 3 golf courses 20 min., Sunrail Train station 3 min., I-4 5 min., Orlando 30 min., Daytona 50 min., 2 major Airports 45 min., famous disc golf next door, Historic Downtown Sanford 15 min., Florida trail, Blue Springs 20 min., New City of Debary Downtown site now being built, 3min., famous New Smyrna Beach 45 min. Totally ready for move in, enjoy the sunsets down the river, the Sanford Riverboat going by on weekends and our own gators! (1 year home warranty)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
915
Sqft
0.08 ac
Lot size
1972
Year built
One
Levels
$185
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.
$1,344 /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
$1,344/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.
$/sqft vs LEISURE WORLD PARK
$185 vs $188
Days on market
497 vs 31 typical
Where $185/sqft sits among the 6 homes for sale in LEISURE WORLD PARK
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 →
The numbers that matter
The Debary market
$393K → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
0 of 6
LEISURE WORLD PARK have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 FERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$200,000
133 MOSS DRIVE · same community
2 bd · 2 ba · 1,023 sqft · $196/sqft · 0 DOM
Sold · Feb ’26$75,000
133 CYPRESS DRIVE · same community
2 bd · 2.5 ba · 768 sqft · $98/sqft · 28 DOM
Sold · Jul ’26$135,000
106 PALM DRIVE · same community
2 bd · 1 ba · 672 sqft · $201/sqft · 102 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 109 FERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 FERN 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
109 FERN DRIVE FAQs
What would the monthly payment be for 109 FERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,344/mo — principal and interest, the actual property-tax bill, the $63/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 109 FERN DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 FERN DRIVE?+
The most recent tax bill on record (2024) was $615. 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 109 FERN 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 $169,000, this home is listed about 57% below the Debary median of $389,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the DEBARY 32713 market on paper
$169,000 is 45% below the DEBARY 32713 median of $307,990, and at $185/sqft it sits under the Debary average of $211.
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
497 days on market against a Debary median of 31 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $220,000, now $169,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMECOIN.COM · Jonathan Minerick. MLS #TB8363913.
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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