839 LAZIO CIRCLE, DEBARY, FL, 32713
Active51 days on marketListed May 31, 2026MLS #V4949384
About this home
839 LAZIO CIRCLE
Welcome to the highly sought-after gated community of Riviera Bella, where luxury, convenience, and resort-style living come together. This beautifully maintained 4-bedroom, 2-bathroom home offers an open-concept floor plan designed for both everyday living and entertaining, with NO REAR NEIGHBORS providing added privacy and peaceful views. Step inside to discover fresh interior paint, upgraded light fixtures, and tile flooring throughout the main living areas, while the bedrooms feature newer carpet installed less than a year ago. The spacious kitchen is the heart of the home, showcasing stylish gray cabinetry, granite countertops, a gas range, ample storage, and a seamless flow into the dining and living spaces. The primary suite offers a relaxing retreat, while the split-bedroom floor plan provides privacy for family and guests alike. Additional upgrades include a tankless water heater, gas washer and dryer, added attic flooring for extra storage, gutters with downspouts, and a screened front entry for enhanced curb appeal. Enjoy Florida living year-round from the screened lanai and extended paver patio overlooking the fully fenced wrought-iron backyard. The outdoor space has been thoughtfully enhanced with app-controlled landscape lighting, creating the perfect ambiance for evening gatherings and outdoor entertaining. Living in Riviera Bella means enjoying an exceptional array of amenities, including 24-hour virtual guard-gated security, a resort-style swimming pool, clubhouse with fitness center and media room, playgrounds, splash pad, scenic walking trails, and private boat ramp access to the St. Johns River. Conveniently located near SunRail, shopping, dining, and with quick access to I-4, this home offers an easy commute to Orlando, the beaches, and surrounding Central Florida attractions. This move-in ready home truly has it all—privacy, upgrades, community amenities, and an unbeatable location. Schedule your private showing today! Home may be under audio and visual surveillance.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,836
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$211
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.
$3,167 /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
$3,167/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.
vs edgeAI estimate
−3.5%
$/sqft vs Debary actives
$211 vs $204
Days on market
51 vs 31 typical
Where $211/sqft sits among the 108 Debary actives
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
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)
44 of 108
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 839 LAZIO CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$450,000
206 ANCONA AVENUE · same community
3 bd · 2 ba · 2,112 sqft · $213/sqft · 79 DOM
Sold · Oct ’25$485,000
212 LUGANO WAY · same community
4 bd · 3 ba · 2,478 sqft · $196/sqft · 79 DOM
Sold · May ’26$620,000
162 ANCONA AVENUE · same community
4 bd · 3.5 ba · 3,489 sqft · $178/sqft · 70 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 839 LAZIO CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 839 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.
Straight answers
839 LAZIO CIRCLE FAQs
What would the monthly payment be for 839 LAZIO CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,167/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 839 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 839 LAZIO CIRCLE?+
The most recent tax bill on record (2025) was $4,890. 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 839 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 $387,000, this home is listed about 1% below the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 839 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.
Keep looking
Similar homes nearby
Listing courtesy of LIVELY REAL ESTATE · Gernelle Bokuniewicz. MLS #V4949384.
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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