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Overview

5 bd3 ba3,851 sqft2 car garageSingle Family
TypeSingle Family
HOA$450/qtr
Built2018
Lot8,500 sqft
Living area3,851 sqft
Price / sqft$162
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface Counters

285 Ancona Ave is a 2018-built home in Riviera Bella Un 4, Debary. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,851 square feet of living space. Listed at $624,000 (about $162/sqft), 59 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $450 quarterly.

From the listing

Welcome to luxury living in Riviera Bella community! This beautifully maintained 5-bedroom, 3-bath Mediterranean-style residence offers the perfect blend of elegance, privacy, security, and breathtaking natural surroundings. Ideally located just moments from the scenic St. Johns River, this impressive 3,851-square-foot home is situated on a generous 8,500-square-foot lot and welcomes you with a beautifully paved driveway and timeless Mediterranean architecture including a concrete barrel tile roof. As you enter this exceptional home, you are greeted in a foyer and modern Florida room gathering area showcasing a stunning upgraded accent wall and decorative ceiling beams that add warmth, character, and architectural contrast. The open-concept floor plan is designed for both everyday living and effortless entertaining, featuring a beautifully designed fireplace as the focal point of the spacious family room. The gourmet kitchen is sure to impress with neutral solid-surface stone countertops, abundant cabinetry, upgraded stainless steel appliances, a new Bosch dishwasher, gas cooktop, dual built-in ovens, microwave, and a generous center island overlooking the main living spaces. Walk in pantry and breakfast/bar with wine chiller completes this kitchen layout perfectly. The first floor also features a private guest bedroom and a beautifully remodeled full bath complete with modern glass shower doors, creating an ideal retreat for guests or multigenerational living. Upstairs, the luxurious primary suite offers an expansive bedroom with an elegant tray ceiling, a generously sized walk-in closet, and a spa-inspired bathroom featuring a relaxing tub, a spacious walk-in shower, and dual vanities. The second level also includes two additional bedrooms, a full bathroom, and a versatile loft/media room perfect for movie nights, a game room, or a secondary family gathering space. Additional upgrades include BRAND NEW 2026 DUAL HVAC for energy efficiency throughout the home. Step outside to enjoy the generously sized, iron-fenced backyard and a beautifully paved covered porch, creating the perfect setting for outdoor dining, entertaining, or simply relaxing while enjoying the peaceful surroundings. Tucked away on a private cul-de-sac within the sought-after gated community of Riviera Bella, this exceptional home offers the ideal combination of luxury, privacy, and convenience, with easy access to the St. Johns River, shopping, dining, major highways, and Central Florida attractions. Community Amenities include an upscale Clubhouse, pool and walking trails! "Privacy" and "Luxury", two words to describe this amazing community. Schedule a showing today!

The essentials

Built
2018
Price / sqft
$162
On market
81 days
Annual tax
$7,935
HOA
$450/qtr
Flood zone
X · Low risk
Lot
8,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
Community pool
Shared amenity
2 car garage
Driveway
8,500 sqft lot
Lot size
3,851 sqft
Living area

Payment

Est. monthly payment
$4,377/mo
Down payment (20%)
$124,800
Property taxes
$661/mo
HOA
$450/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
8,500 sqft
Cooling
Central Air
Heating
Central, Electric, Natural Gas, Zoned
Parking
Driveway, Garage Door Opener, Oversized
Days on Market
81
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Private Yard
Sidewalk
Sprinkler Metered
Storage
Dog Park
Gated Community - No Guard
Park
Playground
Pool
Built-in Oven
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Purifier
Wine Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,935
Parcel #
31-18-30-12-00-2710

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Riviera Bella Un 4
County
Volusia
MLS Area
32713 - Debary
Lot Size
8,500 sqft
Cul-De-SacLandscapedSidewalkPavedPrivate
HOA
$450/qtr
Riviera Bella

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #O6427331
$624,000-1.7%
$162/sqft
-
Price change
Source: Stellar MLS #O6427331
$634,900-2.3%
$165/sqft
7/20/2026
Listed for sale
Source: Stellar MLS #O6427331
$650,000
$169/sqft

Neighborhood

285 Ancona Ave
Debary, FL, 32713 · 32713 - Debary

Market insights

Offer Insights

Choose an offer strength

List price: $624,000
$620,000 – $624,000
99.5% – 100% of listTops out right at the list price
80% of listList price
94 of the last 177 home closings in 32713 landed at this number or higher (53%). The median one sat 25 days before it went under contract, and this one is on day 81 after a $26,000 cut.

Sample: 177 closed home sales in 32713 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,378/mo
Principal & interest$3,254
Property taxes$661
Insurance$312
HOA$150
Down payment20% · $124,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$624,000

$162 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,851 sq ft

Time on market

81 days

Year built

2018

Monthly payment

About $4,377/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,935 annual tax bill, insurance, and the $450/qtr HOA fee.

HOA fee

$450/qtr

Managed by Riviera Bella.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byJASON MITCHELL REAL ESTATE FLOListing agent: Cathy NormanListing data from Stellar MLS, MLS# O6427331.

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