109 CYPRESS DRIVE, DEBARY, FL, 32713
Active48 days on marketListed Aug 3, 2026MLS #V4950527
About this home
109 CYPRESS DRIVE
RARE OPPORTUNITY TO OWN YOUR FREE DEEDED BOAT SLIP WITH PURCHASE OF THIS HOME! JUST STEPS AWAY FROM YOUR HOME TO YOUR BOAT SLIP! FULLY FURNISHED! YOU OWN THE LAND! Don't miss this beautifully maintained 2-bedroom, 1-bath home offering comfort, convenience, and exceptional value. This move-in-ready home comes fully furnished, including a stackable washer and dryer, making it the perfect full-time residence or seasonal retreat. Leisure World Park is a Gated Waterfront Community offering exclusive amenities such as a private boat ramp, marina, community pool. Great Location near I-4 and the Sunrail and offering direct access to the St Johns River and Lake Monroe for the boater enthusiasts. Located outside of a flood zone with an elevated lot, you'll enjoy added peace of mind while being just steps away from the deeded boat slip and community pool. The low HOA fee of only $65 per month helps keep ownership affordable, and the community maintains a no-rentals policy, creating a quiet, owner-occupied neighborhood. Recent updates include new appliances, electrical updates, updated plumbing, and updated bathroom. The fully fenced large backyard provides privacy and space for pets or entertaining, while the 8' x 18' multipurpose building with electricity offers excellent storage for your golf cart or toys, a workshop, or hobby space. Whether you're looking for a waterfront lifestyle, a winter getaway, or an affordable place to call home, this property has it all. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
852
Sqft
0.1 ac
Lot size
1972
Year built
One
Levels
$176
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.
$1,351 /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
$1,351/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
$176 vs $203
Days on market
48 vs 29 typical
Where $176/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 →
DEBARY 32713 — neighborhood snapshot
Population
22,639
Median age
46.6
Median income
$87,354
Median home value
$306,800
Avg household
2.38
Households w/ children
2,294
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 57% below the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 CYPRESS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$75,000
133 CYPRESS DRIVE · same community
2 bd · 2.5 ba · 768 sqft · $98/sqft · 28 DOM
Sold · Dec ’25$200,000
133 MOSS DRIVE · same community
2 bd · 2 ba · 1,023 sqft · $196/sqft · 0 DOM
Sold · Jul ’26$135,000
106 PALM DRIVE · same community
2 bd · 1 ba · 672 sqft · $201/sqft · 102 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 109 CYPRESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 CYPRESS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 CYPRESS DRIVE FAQs
What would the monthly payment be for 109 CYPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,351/mo — principal and interest, the actual property-tax bill, the $65/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 109 CYPRESS DRIVE?+
The association fee works out to $65 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 CYPRESS DRIVE?+
The most recent tax bill on record (2025) was $2,123. 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 109 CYPRESS DRIVE?+
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 $149,997, this home is listed about 62% below the Debary median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 CYPRESS DRIVE?+
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
Four things that matter here
01Under the DEBARY 32713 market on paper
$149,997 is 57% below the DEBARY 32713 median of $345,500, and at $176/sqft it sits under the Debary average of $211.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Strong 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.
04The price has already moved
Listed at $199,900, now $149,997 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Tracy Phillips, LLC. MLS #V4950527.
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.
Never miss a listing
New Debary homes, in your inbox
Like 109 CYPRESS DRIVE but not quite? A daily digest of every new listing in Debary — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Colleen to ping you on any price or status change →