David Ramirez
$729,999$769,0005 bd5 ba3,852 sqft$190 /sqft$4,567 /mo all-in ↓

239 LUGANO WAY, DEBARY, FL, 32713

Active92 days on marketListed Apr 23, 2026MLS #V4948684

Reduced $39KPrivate poolSingle Family ResidenceRIVIERA BELLA UN 5

About this home

239 LUGANO WAY

**SELLER TO CONTRIBUTE UP TO $5,000 TOWARDS BUYERS CLOSING COSTS/RATE BUY DOWN!**Welcome to a truly exceptional home that perfectly blends luxury, functionality, and flexibility ideal for today’s MULTI-GENERATIONAL living needs. Built in 2021 and thoughtfully designed, this expansive 5 bedroom, 5 bathroom residence with a 3-car garage offers space, style, and standout features at every turn. At the heart of the home is a stunning, NEW saltwater pool designed for both relaxation and entertaining. Featuring a lagoon-style design with a premium PebbleTec finish, this backyard oasis is only one year old and is complemented by a fully fenced yard, lush landscaping, and even your own fruit trees including lemon, mulberry, and banana—bringing a private, resort-style experience right to your doorstep. A full pool bath adds convenience for seamless indoor-outdoor living. Inside, the home showcases a highly desirable layout with two primary suites—one located downstairs and one upstairs—making it the perfect setup for multi-generational families or guests seeking privacy. The downstairs suite features a spa-like ensuite with dual vanities, a soaking tub, and a glass-enclosed shower. Upstairs, the luxurious primary retreat makes a grand impression with a double door entrance, opening into a spacious sanctuary complete with a private balcony—perfect for morning coffee or evening relaxation. The ensuite is truly spa-inspired, featuring dual vanities, a soaking tub, and a glass-enclosed shower, creating a peaceful, elevated retreat within the home. The second level includes four spacious bedrooms, one of which boasts its own private bathroom, ideal for guests or older children, while an additional guest bath features double vanities and a tub/shower combo. A standout feature upstairs is the HUGE loft, offering endless possibilities perfect for a media room, playroom, secondary living space, or home gym, adding even more flexibility to this already versatile floor plan. Designed for both everyday living and entertaining, the main level features tray ceilings, updated fixtures throughout, and a versatile home office or formal dining room. The gourmet kitchen is a true showstopper, complete with granite countertops, a natural gas stove with range hood, a butler’s pantry pass-through, and an oversized walk-in pantry—perfect for hosting and daily convenience. The open-concept layout flows seamlessly into the main living area, enhanced by built-in surround sound, with additional audio connectivity available in the garage. Additional highlights include ceramic wood-look tile flooring, a huge laundry room, and thoughtful upgrades throughout that elevate both comfort and style. This home offers the rare combination of modern construction, luxury upgrades, and a flexible floor plan making it one of the best options on the market for buyers seeking a move-in ready pool home with multi-generational living capabilities. Community amenities include 24-hour virtual guard security, resort-style pool, clubhouse with media and fitness center, playgrounds, splash pad, trails, and private boat ramp access to the St. John’s River. Conveniently located near the SunRail station with quick access to I-4. This home truly has it all, schedule your private showing today! Home may be under audio and visual surveillance.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

3,852

Sqft

0.19 ac

Lot size

3

Garage

2021

Year built

Two

Levels

$190

Per sqft

Private pool

Inside

FlooringEngineered Hardwood · Luxury Vinyl · Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
FacesWest
ExteriorBalcony · Irrigation System · Lighting · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$151/mo
Taxes (2025)$518/yr
PetsBreed Restrictions
CommunityDock · Private Boat Ramp · River · Water Access · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Gated Community - No Guard · Golf Carts OK · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Fiber Optics · Natural Gas 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.

$4,567 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,939
PMI (est., until 20% equity)$274
Property tax — 2025 actual bill$43
HOA fee — from the listing$151
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $73,000Loan30-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% · $73,000
Interest rate6.00%
Loan term

Estimated payment

$4,567/mo

Principal & interest$3,939
PMI (est., until 20% equity)$274
Property taxes (actual bill)$43
HOA / condo fee$151
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.

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 Debary actives

$190 vs $208

Days on market

92 vs 31 typical

Where $190/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 Debary

Map of 239 LUGANO WAY

Drive times from this address

Downtown Orlando39 min
Universal Orlando51 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 →

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)

46 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 134% above the DEBARY 32713 median. See the full Debary market guide →

Paper trail

This home's history

CurrentPrice reduced to $729,999 $39K
Apr 23, 2026Listed at $769,000 · 92 days on market since
2021Built · RIVIERA BELLA UN 5

Reality check

What actually sold near 239 LUGANO WAY

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

219 LUGANO WAYSold · Mar ’26

$534,000

219 LUGANO WAY · same community

4 bd · 3 ba · 2,261 sqft · $236/sqft · 54 DOM

162 ANCONA AVENUESold · May ’26

$620,000

162 ANCONA AVENUE

4 bd · 3.5 ba · 3,489 sqft · $178/sqft · 70 DOM

438 FORT FLORIDA ROADSold · Jul ’26

$1,224,000

438 FORT FLORIDA ROAD

5 bd · 4 ba · 3,482 sqft · $352/sqft · 108 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 239 LUGANO WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 239 LUGANO WAY — 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

239 LUGANO WAY FAQs

What would the monthly payment be for 239 LUGANO WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,567/mo — principal and interest, the actual property-tax bill, the $151/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 239 LUGANO WAY?+

The association fee works out to $151 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 239 LUGANO WAY?+

The most recent tax bill on record (2025) was $518. 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 239 LUGANO WAY?+

The listing reports pets: Breed Restrictions. 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 $729,999, this home is listed about 87% above the Debary median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 239 LUGANO WAY?+

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

$729,999 runs 134% above the DEBARY 32713 median — but at 3,852 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

92 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 $769,000, now $729,999 — a $39K cut. The full history is in the market section below.

Listing courtesy of LIVELY REAL ESTATE · Gernelle Bokuniewicz. MLS #V4948684.

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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