228 W HOWRY AVENUE, DELAND, FL, 32720
Active154 days on marketListed Mar 5, 2026MLS #V4947732
About this home
228 W HOWRY AVENUE
Great opportunity to own a historic commercial property in the heart of downtown DeLand! This mixed use residential and commercial property built in 1883 is currently being used as a cafe, but has C-2 zoning and lies within DeLand's Opportunity Zone. Situated on close to an acre, this property has plenty of parking, a detached 551 sq ft 1 bedroom, 1 bathroom apartment/guesthouse (potential 2nd bedroom), and even an in-ground swimming pool!! The main house with 3,572 heated sqft features 5 bedrooms, each with their own full bathrooms, two large living areas, a dining room with fireplace, kitchen, and an office/flex room currently being used as a hostess area/store. One bedroom and bath has separate entry. It has potential to be a great true bed and breakfast just two blocks from the center of downtown and very close to Stetson University! Other opportunities include: General/Professional Offices, Financial Institutions, Beauty salons, Barbershops, Day spas, Tailor shops, Dry cleaning retail or self-service, Catering, Craft food & Beverage, Restaurant, Coffee shop, Bakery, Virtural kitchen, Medical office, College or children school/institution, Churches, Museums, Thrift shop, and so much more!
Facts & features
The home at a glance
5
Bedrooms
7
Bathrooms
4,123
Sqft
0.82 ac
Lot size
1883
Year built
Two
Levels
$121
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 — not generic estimates.
$3,822 /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
$3,822/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 Deland actives
$121 vs $204
Days on market
154 vs 45 typical
Where $121/sqft sits among the 390 Deland 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 Downtown Deland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deland. See the full Deland guide →
Downtown Deland — neighborhood snapshot
Population
608
Median age
33
Median income
$27,556
Median home value
$113,946
Avg household
2
Households w/ children
29%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deland market
$335K → $349K
Deland median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
200 of 390
Deland actives have cut their price
Median sold price, Deland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 55% above the DELAND 32720 median. See the full Deland market guide →
Paper trail
This home's history
Reality check
What actually sold near 228 W HOWRY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$494,990
605 N BOUNDARY AVENUE
5 bd · 3.5 ba · 3,059 sqft · $162/sqft · 473 DOM
Sold · Jan ’26$605,000
220 W MINNESOTA AVENUE
5 bd · 4 ba · 3,040 sqft · $199/sqft · 0 DOM
Sold · Mar ’26$310,000
730 W UNIVERSITY AVENUE
5 bd · 3 ba · 3,002 sqft · $103/sqft · 19 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 228 W HOWRY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 228 W HOWRY AVENUE — 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
228 W HOWRY AVENUE FAQs
What would the monthly payment be for 228 W HOWRY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,822/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 228 W HOWRY AVENUE?+
The most recent tax bill on record (2024) was $5,968. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Deland?+
At $499,999, this home is listed about 31% above the Deland median of $380,995. The market section on this page shows how the area is trending.
Which schools are assigned to 228 W HOWRY AVENUE?+
Deland Middle School (middle), Blue Lake Elementary School (elementary), Deland High School (high) — 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
$499,999 runs 55% above the DELAND 32720 median — but at 4,123 sqft it's also nearly twice the size of the typical Deland 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
154 days on market against a Deland median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $595,000, now $499,999 — a $95K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Kaley Macomber. MLS #V4947732.
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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