CENTURY 21 Edge
$959,9004 bd2.5 ba2,481 sqft$387 /sqft$6,230 /mo all-in ↓

3501 Hill Stream Avenue, FL 32712, FL, 32712

Active129 days on marketListed Apr 1, 2026MLS #B26011215

Private poolSingle Family ResidenceSPRING HOLLOW PH 1

About this home

3501 Hill Stream Avenue, FL 32712

OVER $28,000 IN SELLER CREDITS AVAILABLE! Seller is offering over $28,000 in seller credits, subject to lender approval, that may be applied toward closing costs, prepaid expenses, and/or a 2-1 interest rate buydown. Available benefits include an estimated 2-1 interest rate buydown (approximately $20,124), survey reimbursement at closing (up to $1,600+), one year of lawn maintenance (estimated value $4,800), one-year home warranty (approximately $2,400), appraisal reimbursement at closing (up to $1,000), home inspection reimbursement at closing (up to $600), and a transferable lifetime termite bond. At the current asking price with a 1/5 down paymet, estimated principal and interest payments are approximately $3,834 / monthly before taxes, insurance, and HOA ($350 annually), with even lowe Private estate on nearly 2.5 fully fenced acres in the desirable Spring Hollow community, recently refreshed with newly painted interior walls (2026) Not every home offers land, privacy, and possibilities, this one does. Set on nearly 2.5 fully fenced acres at the end of a quiet cul-de-sac, this private Spring Hollow estate sits on one of the largest homesites in the community, offering space, flexibility, and privacy rarely found in smaller lots. Designed for both everyday living and entertaining, the main residence features 4 bedrooms, 2.5 bathrooms, soaring ceilings, abundant natural light, and an open layout anchored by a striking stone fireplace. The kitchen showcases cherry wood cabinetry, granite countertops, stainless steel appliances, a wine station, and a functional layout ideal for gatherings and daily living. With nearly 2.5 acres zoned for horses, this property offers room for chickens, dogs, pets, fruit trees, a home garden, outdoor toys, equipment, hobbies, and whatever the next chapter brings. One of the property's most valuable features is the detached 2-bedroom, 1-bath guest house, offering flexibility for guests, extended living, Airbnb use, or private workspace. Additional highlights include a 3-car attached garage, separate 20x40 RV/workshop garage with dedicated 30-amp and 50-amp RV electrical connections, extended driveway, two wells, 11-zone irrigation, new sprinkler system (2026), lifetime termite bond, gazebo, fire pit, rear gates with independent entrances, and multiple outdoor living areas. Thoughtfully improved over the years, this home reflects meaningful investment in major systems and long-term value while allowing the next owner to personalize finishing touches. Major updates include roof (2018), PEX plumbing (2015), HVAC condenser (2022), primary suite redesign (2021), exterior painting (2025), pool pump (2021), salt and filtration systems (2024), and pool renovation (2025). A full history of renovations and improvements is attached for review. Near Kelly Park, Rock Springs Run, Wekiwa Springs, and SR-429, this Spring Hollow location delivers the balance of space, privacy, and convenience buyers rarely find together. Some homes check boxes. This one changes expectations. Schedule your private showing today.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,481

Sqft

2.47 ac

Lot size

5

Garage

1988

Year built

1

Levels

$387

Per sqft

Private poolGarden & Pool viewFurniture For Sale,Furniture NegotiablePets allowed

Inside

FlooringCarpet · Tile · Wood
AppliancesElectric Water Heater · Dishwasher · Free-Standing Freezer · Ice Maker · Microwave · Electric Range · Refrigerator · Self Cleaning Oven · Wall Oven
InteriorBar · Closet Cabinetry · Cooking Island · Entrance Foyer · French Doors · Chandelier To Be Replaced · Roman Tub · Skylight · 3 Bedroom Split · Vaulted Ceiling(s) · Volume Ceilings · Walk-In Closet(s) · Storage
LaundryWasher Hookup
CoolingCeiling Fan(s) · Central Air · Wall/Window Unit(s)
HeatingCentral · Electric
FurnishedFurniture For Sale,Furniture Negotiable

Outside & construction

RoofComp Shingle Roof · Shingle
ConstructionConcrete Block Construction · Brick · CBS Construction · Frame · Frame With Stucco · Slab Construction · Stucco
ViewGarden · Pool
FacesWest
Parking2 Or More Spaces · Detached · Driveway · Parking Garage
ExteriorBarbeque · Exterior Lights

Community & fees

HOA fee$29/mo
Taxes (2025)$6,023/yr
PetsYes
CommunityAdditional Amenities · Mandatory Hoa · Other · Other Subdivision - See Remarks

Utilities & systems

UtilitiesCable Connected · Phone Connected · Septic · Water Connected · Cable Available · Electricity Available · Phone Available · Water Available
WaterWell

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.

$6,230 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,180
PMI (est., until 20% equity)$360
Property tax — 2025 actual bill$502
HOA fee — from the listing$29
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $95,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $95,990
Interest rate6.00%
Loan term

Estimated payment

$6,230/mo

Principal & interest$5,180
PMI (est., until 20% equity)$360
Property taxes (actual bill)$502
HOA / condo fee$29
Est. insurance$160

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.

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.

Tyler Stoddard

Your agent

Tyler Stoddard

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 3501 Hill Stream Avenue — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3501 Hill Stream Avenue — before you fall in love.

See it in person

Schedule a tour

Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3501 Hill Stream Avenue FAQs

What would the monthly payment be for 3501 Hill Stream Avenue, FL 32712?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,230/mo — principal and interest, the actual property-tax bill, the $29/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 3501 Hill Stream Avenue, FL 32712?+

The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3501 Hill Stream Avenue, FL 32712?+

The most recent tax bill on record (2025) was $6,023. 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 3501 Hill Stream Avenue, FL 32712?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

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3501 Hill Stream Avenue, FL 32712, FL — 4 Bed, 2.5 Bath — $959,900 | CENTURY 21 Edge