121 PINE TREE DRIVE, DEBARY, FL, 32713
Active81 days on marketListed Jul 1, 2026MLS #O6421379
About this home
121 PINE TREE DRIVE
Welcome to easy Florida living in this move in ready 3/2 home tucked inside a quiet St. Johns River community where you own the land—no lot rent ever! Thoughtful upgrades include dual pane windows, a sliding glass door, updated front entry door, and a stunning enclosed Florida room redone in 2023. The A/C was replaced in 2017, the roof over completed in 2023, and electrical panels updated inside and out in 2021. The home comes equipped with a 2024 washer and dryer and a 2025 range, making move in day a breeze. Ceramic tile in the kitchen and living area keeps things simple and clean. Step outside to a large storage shed, patio seating, and a fire pit—your own backyard retreat. Love the water? Bring your boat and enjoy the private community boat ramp, storage compound, and optional boat slip. A clubhouse full of activities and a refreshing swimming pool round out the amenities.Conveniently located close to I-4, approximately 40 minutes from Daytona Beach or Orlando, and just 1.5 miles from the SunRail station for an easy commute. Schedule your private showing today and see all this river community home has for you!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,100
Sqft
0.1 ac
Lot size
1983
Year built
One
Levels
$172
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.
$1,475 /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
$1,475/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
−15.4%
$/sqft vs Debary actives
$172 vs $203
Days on market
81 vs 29 typical
Where $172/sqft sits among the 116 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 Debary
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
The numbers that matter
The Debary market
$393K → $390K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
65 of 116
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the Debary median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 121 PINE TREE DRIVE
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$90,000
105 CYPRESS DRIVE · same community
3 bd · 2 ba · 1,176 sqft · $77/sqft · 121 DOM
Sold · Dec ’25$200,000
133 MOSS DRIVE · same community
2 bd · 2 ba · 1,023 sqft · $196/sqft · 0 DOM
Sold · Jun ’26$155,000
122 LEISURE WORLD DRIVE N · same community
3 bd · 2 ba · 1,232 sqft · $126/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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 121 PINE TREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 PINE TREE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
121 PINE TREE DRIVE FAQs
What would the monthly payment be for 121 PINE TREE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,475/mo — principal and interest, the actual property-tax bill, the $63/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 121 PINE TREE DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 121 PINE TREE DRIVE?+
The most recent tax bill on record (2025) was $667. 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 121 PINE TREE DRIVE?+
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 $189,000, this home is listed about 52% below the Debary median of $395,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Debary market on paper
$189,000 is 52% below the Debary median of $395,000, and at $172/sqft it sits under the Debary average of $211.
02Time on market is leverage
81 days on market against a Debary median of 29 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $210,000, now $189,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOVEREIGN REALTY INVESTMENTS LLC · Debbie Dillard. MLS #O6421379.
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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