1037 RIVER OTTER WAY, DELAND, FL, 32720
Active54 days on marketListed Jun 12, 2026MLS #V4949636
About this home
1037 RIVER OTTER WAY
Virtually Staged. Welcome to this beautifully upgraded 4-bedroom, 3-bathroom two-story home in the desirable Seasons at River Chase community. Better than new, this meticulously maintained residence offers an impressive list of thoughtful enhancements designed for comfort, convenience, and modern living. Enjoy peaceful conservation views from the fenced backyard, featuring a charming white vinyl picket fence with gated access on both sides and the rear of the property. The outdoor space is perfect for relaxing or entertaining, complete with solar-powered market lighting and plenty of room to enjoy the natural surroundings. Inside, the open-concept floor plan is filled with natural light and showcases a spacious kitchen featuring quartz countertops, a large center island, and stylish white cabinetry. Sliding glass doors lead to the covered lanai, creating seamless indoor-outdoor living. A first-floor bedroom and full bath provide flexibility for guests, multigenerational living, or a home office. Upstairs, the spacious primary suite offers a custom-designed walk-in closet, dual vanities, and a private water closet. Two additional bedrooms, a full bath, a generous loft/bonus room, and an upgraded laundry room with butcher block countertops and custom cabinetry complete the second level. Additional features include ceiling fans with remote controls in every room, blinds throughout with blackout shades in the loft and primary bedroom, motorized blinds in the primary suite and an upstairs bedroom/office, two AT&T Fiber connection locations, and an exterior generator hookup. The HVAC system (with a transferable warranty) has been enhanced with a germicidal UV light and has been recently serviced. Other valuable upgrades include gutters, solar-powered security cameras at the front and rear of the home, and a finished garage with striking stained black concrete floors and custom-built storage shelving. This exceptional home combines modern style, functional upgrades, and a prime conservation setting—offering a move-in-ready opportunity that truly stands out from new construction.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,425
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$170
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.
$3,308 /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
$3,308/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
+0.8%
$/sqft vs Deland actives
$170 vs $204
Days on market
54 vs 44 typical
Where $170/sqft sits among the 388 Deland 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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,900/mo median
Live Deland rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening50%
Occupancy
▼ 32% yr/yr
$296
Avg nightly rate
▲ 15% yr/yr
$35K/yr
Revenue per listing
$148
RevPAR
63 days
Booking lead time
5.5 nights
Avg stay
3
Typical min nights
10,047
Active rentals
▲ 12% supply
Seasonality — monthly occupancy
Peaks at 58% in Feb · bottoms at 38% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full guide →
DELAND 32720 — neighborhood snapshot
Population
34,633
Median age
41.4
Median income
$67,512
Median home value
$280,600
Avg household
2.59
Households w/ children
3,279
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deland market
$335K → $349K
Deland median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
193 of 388
Deland actives have cut their price
Median sold price, Deland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the DELAND 32720 median. See the full Deland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1037 RIVER OTTER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$358,000
1073 RIVER OTTER WAY · same community
4 bd · 3 ba · 2,550 sqft · $140/sqft · 74 DOM
Sold · Dec ’25$368,900
1002 RIVER FALLS CIRCLE · same community
4 bd · 3 ba · 2,075 sqft · $178/sqft · 157 DOM
Sold · Jul ’26$400,000
1130 RIVER FALLS CIRCLE · same community
5 bd · 3 ba · 2,873 sqft · $139/sqft · 15 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 1037 RIVER OTTER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1037 RIVER OTTER 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.
Straight answers
1037 RIVER OTTER WAY FAQs
What would the monthly payment be for 1037 RIVER OTTER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,308/mo — principal and interest, the actual property-tax bill, the $100/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 1037 RIVER OTTER WAY?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1037 RIVER OTTER WAY?+
The most recent tax bill on record (2025) was $5,296. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1037 RIVER OTTER WAY be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1037 RIVER OTTER WAY?+
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 Deland?+
At $411,900, this home is listed about 8% above the Deland median of $382,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1037 RIVER OTTER WAY?+
Deland Middle School (middle), Woodward Avenue Elementary School (elementary), Deland High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$411,900 runs 27% above the DELAND 32720 median — but at 2,425 sqft it's also 30% larger than the typical Deland listing.
02Zoned for nightly rentals
Seasons is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $413,900, now $411,900 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Virginia Clifton. MLS #V4949636.
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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