121 PINE TREE DRIVE, DEBARY, FL, 32713
Active19 days on marketListed Jul 1, 2026MLS #O6421379
About this home
121 PINE TREE DRIVE
Move-in ready 3-bedroom, 2-bath home located in a river community directly on the St. Johns River. Best of all, there is no lot rent—you own the land! This home features many upgrades, including dual-pane windows, a sliding glass door, an updated front entry door, an oversized enclosed Florida room redone in 2023, A/C replaced in 2017, roof-over completed in 2023, and electrical upgrades with inside and outside panel boxes completed in 2021. The washer and dryer were purchased in 2024 and convey with the home, and the range was replaced in 2025. Ceramic tile in the kitchen and living area makes cleanup easy. The backyard offers a large shed for plenty of storage, along with outdoor patio seating next to the fire pit for relaxing or entertaining. Bring your boat and enjoy the community boat ramp and storage compound. Boat slips are available for sale or rent, and the community also offers a clubhouse with many activities and a swimming pool. 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
$191
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.
$1,608 /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
$1,608/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 LEISURE WORLD PARK
$191 vs $188
Days on market
19 vs 31 typical
Where $191/sqft sits among the 7 homes for sale in LEISURE WORLD PARK
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
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 → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
2 of 7
LEISURE WORLD PARK have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% below the DEBARY 32713 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
Kat Bonelli
REALTOR® · 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
Pick a day that works — this goes straight to Kat's phone and CRM.
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 $1,608/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 $210,000, this home is listed about 46% below the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 121 PINE TREE 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.
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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