
211 LUGANO WAY, DEBARY, FL, 32713
Active16 days on marketListed Sep 4, 2026MLS #O6439271
About this home
211 LUGANO WAY
Welcome to 211 Lugano Way, located in the gated, riverfront community of Riviera Bella in DeBary. This spacious home offers a bright, open layout with neutral finishes, tile throughout the main living areas, recessed lighting, and plantation shutters throughout. Just off the entry, a versatile flex space provides the perfect setting for a home office, sitting room, playroom, or additional living area, while a guest bedroom and nearby full bath create a convenient and private arrangement for visitors. The kitchen serves as the heart of the home and features granite countertops, abundant cabinetry, stainless steel appliances, a gas range, tiled backsplash, and a large center island with generous prep space, storage, and room for seating. The kitchen flows seamlessly into the dining and living areas, where multiple windows bring in natural light and sliding glass doors open to the covered, screened paver lanai overlooking the fenced backyard. The spacious primary suite is highlighted by a tray ceiling, ceiling fan, plantation shutters, and a custom walk-in closet system with built-in shelving, drawers, and hanging space. The en-suite bath features dual vanities with granite countertops, a garden soaking tub, separate glass-enclosed shower, and private water closet. Additional bedrooms offer flexibility for guests, family, or additional workspace, and one of the secondary bedrooms also features a custom closet organization system for added storage and functionality. Additional highlights include an interior laundry room with cabinetry and an oversized three-car garage featuring Pebble Tec flooring, overhead storage racks, and extensive storage cabinetry, providing an organized and highly functional space for vehicles, tools, recreational gear, and everyday storage. Residents of Riviera Bella enjoy a gated community setting along the St. Johns River, with amenities that include a resort-style pool, clubhouse, fitness center, playground, splash park, walking and exercise trails, riverfront recreational areas, and community access to the St. Johns River. The community also offers convenient access to I-4, SunRail, shopping, dining, and surrounding Central Florida destinations. With its flexible living spaces, custom closet systems, spacious primary suite, screened outdoor living area, upgraded three-car garage, and access to Riviera Bella’s extensive amenities, 211 Lugano Way offers a comfortable and well-appointed DeBary lifestyle. Schedule your showing today! Use our preferred lender and receive $2,000 toward closing costs. First responders and military members, ask about our appreciation discount. Exclusive offer: purchase this home with VA 0% down financing available for those who qualify. Rate buydown options are also available. For more information on these exclusive offers, call the listing agent directly using the information below.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,356
Sqft
0.19 ac
Lot size
3
Garage
2018
Year built
One
Levels
$218
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.
$4,166 /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
$4,166/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.
$/sqft vs Debary actives
$218 vs $202
Days on market
16 vs 29 typical
Where $218/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 Riviera Bella
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
Riviera Bella — neighborhood snapshot
Population
1,372
Median age
46
Median income
$123,261
Median home value
$413,500
Avg household
3
Households w/ children
125
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 → $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 49% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 211 LUGANO WAY
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$534,000
219 LUGANO WAY · same community
4 bd · 3 ba · 2,261 sqft · $236/sqft · 54 DOM
Sold · Aug ’26$518,000
340 RUTH JENNINGS DRIVE
4 bd · 3 ba · 2,367 sqft · $219/sqft · 22 DOM
Sold · Jan ’26$603,000
100 VERDE WAY
4 bd · 3 ba · 2,332 sqft · $259/sqft · 36 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 211 LUGANO WAY — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 211 LUGANO WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
211 LUGANO WAY FAQs
What would the monthly payment be for 211 LUGANO WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,166/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 211 LUGANO WAY?+
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 211 LUGANO WAY?+
The most recent tax bill on record (2025) was $7,234. 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 211 LUGANO 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 Debary?+
At $514,000, this home is listed about 30% above the Debary median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 211 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
Three things that matter here
01Positioned at the premium end
$514,000 runs 49% above the DEBARY 32713 median — but at 2,356 sqft it's also 33% larger than the typical Debary listing.
02Strong 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.
03The price has already moved
Listed at $519,000, now $514,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DESIGN OR LIST IT INC · Taylor Benfield. MLS #O6439271.
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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