David Ramirez
$289,9002 bd1.5 ba1,114 sqft$260 /sqft$2,035 /mo all-in ↓

16 OLEANDER LANE, DEBARY, FL, 32713

Active11 days on marketListed Jul 12, 2026MLS #V4950169

Priced 6% below the DEBARY 32713 medianSingle Family ResidenceLAKE MARIE ESTATES REP

Come see it

Upcoming open house

Sat, Jul 25

11:00 AM – 12:30 PM

About this home

16 OLEANDER LANE

Virtually Staged. Don't miss this beautifully remodeled block home that's truly move-in ready! This stunning 2-bedroom, 1.5-bath home has been tastefully renovated from top to bottom with today's most desirable finishes. The full bathroom features a brand-new vanity, toilet, sink, modern fixtures, and updated lighting, while the convenient half bath with updates is located in the laundry room just off the garage. Step inside to discover a bright, open floor plan with fresh interior and exterior paint, new laminate flooring throughout, 5-inch baseboards, recessed LED lighting in the kitchen and living room, updated ceiling fans in every room, new switches, stylish fixtures, and new window blinds. The beautifully redesigned kitchen offers soft-close cabinetry, quartz countertops, a farmhouse sink, breakfast bar, dining nook, and brand-new stainless slide-in range and dishwasher—perfect for everyday living and entertaining. Refrigerator in picture is for the virtual staging only. There is a older refrigerator in the garage that can stay. The spacious Florida room is under heat and air, providing additional living space ideal for a family room, dining room, office, hobby room, or game room with a door the the large 85x125 sized lot. The attached garage has freshly painted walls and floor, and the laundry room offers extra storage along with the convenient half bath with an exit door to the backyard. Major updates include a new electrical panel, Electrical and plumbing updates, roof (2023), water heater (2024), HVAC (2018), windows (2018), and garage door (2018). The septic system has been pumped and inspected, giving buyers added peace of mind. The home has also been professionally cleaned and is truly turnkey—just bring your furniture! Ideally located just minutes from shopping, restaurants, medical facilities, public transportation, the SunRail station, I-4, the St. Johns River, Lake Monroe, Gemini Springs Park, and scenic biking and walking trails. Whether you're a first-time homebuyer, looking to downsize, or searching for a low-maintenance home in a convenient location, this one checks all the boxes! Owner is a licensed Florida Realtor and has never occupied the property. Seller cannot disclose material defects beyond information provided by the previous owner, unless owner has done it personally.

Facts & features

The home at a glance

2

Bedrooms

1.5

Bathrooms

1,114

Sqft

0.23 ac

Lot size

1

Garage

1961

Year built

One

Levels

$260

Per sqft

Inside

FlooringLaminate
AppliancesDishwasher · Electric Water Heater · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationCrawlspace
FacesSouth
ExteriorPrivate Mailbox

Community & fees

Taxes (2025)$484/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected
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.

$2,035 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,707
FHA mortgage insurance (est.)$128
Property tax — 2025 actual bill$40
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,147Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,147
Interest rate6.00%
Loan term

Estimated payment

$2,035/mo

Principal & interest$1,707
FHA mortgage insurance (est.)$128
Property taxes (actual bill)$40
Est. insurance$160

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.

List $290K
$204KedgeAI estimate $238,091 · range $213K$266K$301K

vs edgeAI estimate

+21.8%

$/sqft vs Debary actives

$260 vs $205

Days on market

11 vs 31 typical

Where $260/sqft sits among the 109 Debary actives

24
30
22
18
6 · this home
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 Lake Marie Estates

Map of 16 OLEANDER LANE inside its neighborhood boundary

Drive times from this address

Downtown Orlando32 min
Universal Orlando45 min
Orlando Int’l Airport (MCO)51 min
Walt Disney World57 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Debary. See the full Debary guide →

Lake Marie Estates — neighborhood snapshot

Population

1,688

Median age

49

Median income

$80,460

Median home value

$320,709

Avg household

2

Households w/ children

179

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)

47 of 109

Debary actives have cut their price

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

This home is listed 6% below the DEBARY 32713 median. See the full Debary market guide →

Paper trail

This home's history

Jul 12, 2026Listed at $289,900 · 11 days on market since
1961Built · LAKE MARIE ESTATES REP

Reality check

What actually sold near 16 OLEANDER LANE

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

40 CARNATION LANESold · Sep ’25

$255,000

40 CARNATION LANE · same community

2 bd · 1 ba · 1,134 sqft · $225/sqft · 22 DOM

3 CASSIA LANESold · Nov ’25

$286,000

3 CASSIA LANE · same community

3 bd · 2 ba · 1,140 sqft · $251/sqft · 12 DOM

16 FLAMEVINE LANESold · Aug ’25

$195,000

16 FLAMEVINE LANE · same community

2 bd · 3 ba · 1,060 sqft · $184/sqft · 85 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 16 OLEANDER LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16 OLEANDER LANE — 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

16 OLEANDER LANE FAQs

What would the monthly payment be for 16 OLEANDER LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,035/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 16 OLEANDER LANE?+

The most recent tax bill on record (2025) was $484. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Debary?+

At $289,900, this home is listed about 26% below the Debary median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 16 OLEANDER LANE?+

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.

Listing courtesy of GREENE REALTY OF FLORIDA LLC · Terrie White. MLS #V4950169.

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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