David Ramirez
$699,900$794,9005 bd4 ba3,868 sqft$181 /sqft$4,738 /mo all-in ↓

69 SPRING LAKE DRIVE, DEBARY, FL, 32713

Active119 days on marketListed Mar 26, 2026MLS #V4948100

Reduced $95KPrivate poolSingle Family ResidenceSUMMERHAVEN PH 04

Come see it

Upcoming open house

Sat, Jul 25

1:00 PM – 2:30 PM

About this home

69 SPRING LAKE DRIVE

One or more photo(s) has been virtually staged. Price Improvement ******Welcome to your private magnificent retreat in the highly desirable and established Summerhaven community of DeBary with an optional HOA of $150 yr! This beautifully maintained 5-bedroom, 4-bath 3868 Sq Ft remodeled home features a **propane-heated, in-ground gunite pool** and is perfectly situated on an expansive .71-acre cul-de-sac lot with no rear neighbors. From the moment you arrive, you’ll appreciate the inviting curb appeal, mature landscaping, and quiet setting. Step inside to soaring ceilings, abundant natural light, and a thoughtfully designed floor plan featuring laminate flooring and ceramic tile throughout. Architectural details such as plant shelves, chair railings, and open spaces add character and warmth to the home. All of the rooms are generously sized, providing comfort and flexibility for everyday living and entertaining. At the heart of the home is a gourmet chef’s kitchen, complete with maple glazed cabinetry, granite counters, double ovens, a wine fridge, closet pantry, recessed lighting, and ample counter space—perfect for both everyday living and hosting guests. The kitchen flows seamlessly into multiple living areas, including a spacious family room with a decorative fireplace, dining room, living room and additional flex space ideal for a home office or bonus room. The primary suite is conveniently located on the first floor and offers a spacious retreat with quartz countertops in the primary bath, dual vanities, a soaking jetted tub, and a separate shower. The suite also features direct access to the pool area, creating a true indoor-outdoor living experience. Also located downstairs is an additional bedroom and full bathroom—perfect for guests, in-laws, or a private home office setup. Upstairs, you’ll find three spacious 3 bedrooms, 2 full bathrooms, jack and jill bath to connect 2 bedrooms, and a versatile loft area—perfect for a media room, playroom, or additional living space. The home also offers abundant storage throughout. Step outside to your own private outdoor oasis featuring the propane-heated, in-ground gunite pebble tech pool with a large screened enclosure and covered pavered lanai—perfect for year-round enjoyment Additional features include an inside laundry room with folding table and cabinets, a side-entry two-car garage, water softener system, internal vacuum, generator hookup, and sprinkler system on a well. Major updates provide peace of mind, including a brand-new roof in 2026, HVAC systems replaced in 2016, new windows and sliding glass doors in 2024 and a new drain field installed just two years ago. Ideally located just minutes to medical facilities, shopping, dining, and I-4, with easy access to SunRail, you’re only 30 minutes to Orlando and approximately 25 minutes to Daytona Beach—making this location as convenient as it is peaceful.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,868

Sqft

0.71 ac

Lot size

2

Garage

1988

Year built

Two

Levels

$181

Per sqft

Private poolFireplacePark/Greenbelt & Trees/Woods view

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Chair Rail · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionBrick · Stucco · Wood Frame
FoundationSlab
ViewPark/Greenbelt · Trees/Woods
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorIrrigation System · Sliding Doors

Community & fees

Taxes (2025)$6,473/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Propane · Sprinkler Well
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,738 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property tax — 2025 actual bill$539
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,990
Interest rate6.00%
Loan term

Estimated payment

$4,738/mo

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property taxes (actual bill)$539
Est. insurance$160

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.

Where it sits

Inside Debary

Map of 69 SPRING LAKE DRIVE

Drive times from this address

Downtown Orlando36 min
Universal Orlando48 min
Orlando Int’l Airport (MCO)55 min
Walt Disney World60 min

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

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)

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

This home is listed 124% above the DEBARY 32713 median. See the full Debary market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,900 $95K
Mar 26, 2026Listed at $794,900 · 119 days on market since
1988Built · SUMMERHAVEN PH 04

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 69 SPRING LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 69 SPRING 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.

Goes straight to David’s phone and CRM.

Straight answers

69 SPRING LAKE DRIVE FAQs

What would the monthly payment be for 69 SPRING LAKE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,738/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 69 SPRING LAKE DRIVE?+

The most recent tax bill on record (2025) was $6,473. 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 69 SPRING LAKE DRIVE?+

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 $699,900, this home is listed about 80% above the Debary median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 69 SPRING 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

Five things that matter here

01Positioned at the premium end

$699,900 runs 124% above the DEBARY 32713 median — but at 3,868 sqft it's also nearly twice the size of 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.

03Time on market is leverage

119 days on market against a Debary median of 31 — sellers in this position are usually ready to negotiate.

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.

05The price has already moved

Listed at $794,900, now $699,900 — a $95K cut. The full history is in the market section below.

Listing courtesy of GREENE REALTY OF FLORIDA LLC · Terrie White. MLS #V4948100.

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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