623 LAZIO CIRCLE, DEBARY, FL, 32713
Active72 days on marketListed May 12, 2026MLS #O6406891
About this home
623 LAZIO CIRCLE
Energy-efficient living meets private backyard relaxation at 623 Lazio Circle, a beautifully maintained 2023-built home in DeBary’s gated riverfront community of Riviera Bella. This home features solar panels, giving the next owner the opportunity to benefit from improved energy efficiency and help offset rising utility costs from day one. A brand-new luxury Jacuzzi hot tub is also included, creating a private outdoor retreat where you can unwind, entertain, and enjoy the Florida lifestyle right at home. Offering 4 bedrooms, 2 bathrooms, 1,836 square feet of living space, and a 2-car garage, this home combines newer construction convenience with thoughtful details throughout. From the moment you arrive, the home delivers strong curb appeal with manicured landscaping, paver driveway details, exterior lighting, a Ring camera, and the added benefit of no home directly in front, creating a more open and private feel. Inside, you are welcomed by tile flooring throughout the main living areas, two-panel interior doors, a coat closet upon entry, and a bright open-concept layout designed for everyday comfort and easy entertaining. The kitchen features granite countertops, a natural gas range, walk-in pantry, stainless steel undermount sink, and generous prep and storage space, making it both stylish and functional for daily living. The main living area is enhanced by a custom panel-detailed accent wall, creating a beautiful focal point. Sliding glass doors lead out to the patio and privacy-fenced backyard, where the brand-new luxury Jacuzzi hot tub creates the perfect place to relax after a long day. Backing to an empty lot, the outdoor space offers added privacy and a peaceful setting for quiet evenings, weekend gatherings, or enjoying the Florida sunshine. The primary suite offers a spacious retreat with dual vanities, a walk-in shower, private toilet closet, and custom built-ins in the primary closet for elevated organization. Located in Riviera Bella, residents enjoy a resort-style lifestyle with a gated entrance, clubhouse, pool, fitness center, playground, splash pad, park, picnic areas, and private community boat ramp with access to the St. Johns River. This golf cart-friendly community makes it easy to enjoy the neighborhood lifestyle, with boating, outdoor recreation, and local favorites nearby. Just minutes away, DeBary Golf & Country Club offers golf and a social club atmosphere, while Swamp House Riverfront Grill is a beloved waterfront spot with laid-back live music and strong local following. The community is ideally positioned near the DeBary SunRail Station, I-4, Lake Mary/Heathrow, local dining, shopping, golf, and the outdoor recreation that makes the St. Johns River lifestyle so desirable. With solar panels, a brand-new luxury Jacuzzi hot tub, privacy fencing, designer touches, and a prime Riviera Bella location, 623 Lazio Circle offers the perfect blend of comfort, efficiency, and resort-style living. Schedule your showing today. Use our preferred lender and receive up to $2,000 toward closing costs. Purchase this home and if YOU are not satisfied, we’ll SELL IT FOR FREE!* First responders and military members ask about our appreciation discount. Exclusive VA 0% down financing available for those who qualify, plus rate buydown options available. Move up to this home and we’ll buy yours subject to conditions. For more information on these exclusive offers, contact the listing agent directly below.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,836
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
One
Levels
$228
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.
$3,372 /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
$3,372/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
+4.3%
Days on market
72 vs 31 typical
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 St. Johns River Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
St. Johns River Estates — neighborhood snapshot
Population
480
Median age
46
Median income
$123,261
Median home value
$413,500
Avg household
3
Households w/ children
42%
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 → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 623 LAZIO CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 623 LAZIO CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
623 LAZIO CIRCLE FAQs
What would the monthly payment be for 623 LAZIO CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,372/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 623 LAZIO CIRCLE?+
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 623 LAZIO CIRCLE?+
The most recent tax bill on record (2025) was $4,929. 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 623 LAZIO CIRCLE?+
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 $418,900, this home is listed about 7% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 623 LAZIO CIRCLE?+
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
01Positioned at the premium end
$418,900 runs 35% above the DEBARY 32713 median.
02Time on market is leverage
72 days on market against a Debary median of 31 — sellers in this position are usually ready to negotiate.
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 $421,900, now $418,900 — a $3K cut. The full history is in the market section below.
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Taylor Benfield. MLS #O6406891.
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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