239 LUGANO WAY, DEBARY, FL, 32713
Active198 days on marketListed Apr 23, 2026MLS #V4948684
About this home
239 LUGANO WAY
**SPECIAL BUYER INCENTIVE! Qualified buyers may save up to $246 per month up to $3,000 during the first year with a special 0.50% first-year rate reduction through our preferred lender.** Located in the gated community of Riviera Bella, in DeBary, this spacious 5 bedroom, 5 bathroom, 3 car garage pool home built in 2021 offers the space, privacy, and flexibility today's multi generational families are searching for. This home features a rare dual primary layout with one suite downstairs and one upstairs, each with its own spa inspired ensuite boasting dual vanities, a soaking tub, and a glass enclosed shower; the upstairs retreat makes a statement with a double door entrance and a private balcony, perfect for morning coffee or evening wind down. The true showstopper is a one year old lagoon style saltwater pool with a premium PebbleTec finish, set in a fully fenced, beautifully landscaped yard complete with lemon, mulberry, and banana trees, plus a convenient full pool bath that makes indoor outdoor living effortless. Upstairs you'll also find four additional bedrooms, one with a private ensuite bath, a second full guest bath with dual vanities, and a massive loft ready to become a media room, playroom, home gym, or second living space. The gourmet kitchen delivers granite countertops, a natural gas range with hood, a butler's pantry pass through, and an oversized walk in pantry, while tray ceilings, updated fixtures, ceramic wood look tile, built in surround sound, and a flexible home office or formal dining room round out the main level for everyday comfort and effortless entertaining. Enjoy resort style community amenities including 24 hour virtual guard security, a resort style community pool, clubhouse with media and fitness center, playgrounds, splash pad, walking trails, and private boat ramp access to the St. Johns River, all just minutes from the SunRail station with quick access to I-4. This move-in ready pool home is a rare find for buyers who need space, style, and true multi generational flexibility, so schedule your private showing today. Home may be under audio and visual surveillance.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,852
Sqft
0.19 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$187
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.
$5,148 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,148/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+7.1%
$/sqft vs Debary actives
$187 vs $206
Days on market
198 vs 43 typical
Where $187/sqft sits among the 121 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 →
DEBARY 32713 — neighborhood snapshot
Population
22,884
Median age
45.7
Median income
$88,500
Median home value
$349,400
Avg household
2.4
Households w/ children
2,306
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
$368K → $369K
Debary median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
60 of 121
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 110% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 239 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$560,000
612 VIA ISABELLE DRIVE
5 bd · 3 ba · 3,962 sqft · $141/sqft · 12 DOM
Sold · Aug ’26$785,000
143 ROSA BELLA VIEW
5 bd · 4 ba · 4,098 sqft · $192/sqft · 5 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 239 LUGANO WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 239 LUGANO WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
239 LUGANO WAY FAQs
What would the monthly payment be for 239 LUGANO WAY?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,148/mo — principal and interest, the actual property-tax bill, the $151/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 239 LUGANO WAY?+
The association fee works out to $151 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 239 LUGANO WAY?+
The most recent tax bill on record (2025) was $518. 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 239 LUGANO WAY?+
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 $719,000, this home is listed about 92% above the Debary median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 239 LUGANO WAY?+
University High School (high), Manatee Cove Elementary School (elementary), River Springs Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$719,000 runs 110% above the DEBARY 32713 median — but at 3,852 sqft it's also nearly twice the size of the typical Debary listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
198 days on market against a Debary median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $769,000, now $719,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LIVELY REAL ESTATE · Gernelle Bokuniewicz. MLS #V4948684.
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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