109 VERDE WAY, DEBARY, FL, 32713
Active1 days on marketListed Aug 3, 2026MLS #O6430175
About this home
109 VERDE WAY
Luxury Living in Riviera Bella! Welcome to this beautifully maintained 4-bedroom, 3-bath home with nearly 2,820 square feet of thoughtfully designed living space. The open-concept floor plan features a chef’s kitchen with granite countertops, double wall ovens, gas cooktop, stainless appliances, an oversized island, and abundant cabinetry—perfect for entertaining. The spacious primary suite offers tray ceilings, dual vanities, a garden tub, separate shower, and generous walk-in closets. Step outside to enjoy peaceful conservation and pond views from the covered lanai. Located in the gated community of Riviera Bella, residents enjoy resort-style amenities including a clubhouse, fitness center, community pool, park, basketball court, fishing, and private access to the St. Johns River. A three-car garage, tile roof, and energy-efficient construction complete this exceptional home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,819
Sqft
0.22 ac
Lot size
3
Garage
2025
Year built
One
Levels
$212
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.
$4,432 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,432/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.
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
+11.5%
Days on market
1 vs 27 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 Riviera Bella
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
Riviera Bella — neighborhood snapshot
Population
1,372
Median age
46
Median income
$123,261
Median home value
$413,500
Avg household
3
Households w/ children
125
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 → $386K
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 93% 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 109 VERDE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 VERDE WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
109 VERDE WAY FAQs
What would the monthly payment be for 109 VERDE WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,432/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 109 VERDE WAY?+
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 109 VERDE WAY?+
The most recent tax bill on record (2025) was $7,981. 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 VERDE WAY?+
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 $599,000, this home is listed about 54% above the Debary median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 VERDE WAY?+
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
$599,000 runs 93% above the DEBARY 32713 median — but at 2,819 sqft it's also 59% larger than the typical Debary listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Debary market that averages 27 — if it fits, move quickly.
04Strong 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.
Listing courtesy of SMOOTH RIVER REALTY LLC · Bruce Yang. MLS #O6430175.
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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