CENTURY 21 Edge
$395,000$399,0005 bd3.5 ba2,736 sqft$144 /sqft≈$3,645 /mo all-in ↓

2746 WALDEN WOODS DRIVE, PLANT CITY, FL, 33566

Active120 days on marketListed Jul 10, 2026MLS #L4963361

✦ Reduced $4KWaterfrontSingle Family ResidenceWHISPERING WOODS PH 1

About this home

2746 WALDEN WOODS DRIVE

AN ASSUMABLE MORTGAGE? YES, PLEASE! Finding a home you love is one thing. Finding one with the opportunity to take over an existing mortgage at a 5.5 interest rate? Now that's something worth getting excited about! And the best part? The home itself gives you just as many reasons to fall in love. You know that feeling when you walk into a house and can already picture where everything will go? Yeah... this is one of those homes. Maybe you're ready for everyone to finally have their own space. Maybe you're tired of squeezing around a small kitchen while dinner is cooking, homework is happening, and life is moving in every direction at once. Whatever brought you here, this home simply makes sense. And with an assumable mortgage opportunity in the mix, the numbers might make just as much sense as the floor plan. The dining room welcomes you inside before leading into the heart of the home, a beautifully updated kitchen designed for everything from rushed weekday breakfasts to holiday dinners that somehow end with everyone gathered around the island. Granite countertops, timeless cabinetry, stainless steel appliances, and an oversized peninsula create a space that naturally becomes everyone's favorite place to be. The open layout keeps you connected, whether you're catching up after a long day, hosting friends for the big game, or keeping an eye on everything while dinner is on the stove. When you need a little separation, the dedicated office or den gives you the flexibility to create a home office, playroom, reading nook, or whatever works best for this season of life. It's the kind of flexibility that makes a home work for you today and adapt as life changes. Upstairs, fresh new flooring gives the entire level a clean, updated feel. Four spacious bedrooms give everyone room to spread out, while the oversized primary suite becomes a peaceful retreat at the end of the day. The en-suite bathroom features dual vanities, a soaking tub, a separate shower, and a generous walk-in closet. Between the generous living spaces, thoughtful updates, and the potential financing advantage, this is a home that offers more than just a beautiful place to live. Then there's the backyard. Start your morning with coffee on the screened lanai, watch the sunset reflect across the pond, or spend weekends grilling while the backyard becomes the backdrop for birthdays, gatherings, and everyday memories. With a fully fenced yard and peaceful water views, the outdoor space feels just as welcoming as the inside. Located in Whispering Woods in Plant City, Florida, residents enjoy access to the community pool and playground while staying just minutes from Plant City High School, Lake Walden Square, shopping, dining, and everyday conveniences. Some houses simply give you more square footage. This one gives you room for life to happen. And when you add in the opportunity to assume an existing mortgage at 5.5 interest rate, it becomes a home worth taking a closer look at. Because finding the right home is exciting. Finding the right home with a financing opportunity like this? Even better. Schedule your private showing and ask about the assumable mortgage!

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

2,736

Sqft

0.21 ac

Lot size

2

Garage

2011

Year built

Two

Levels

$144

Per sqft

WaterfrontPets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Solid Surface Counters · Thermostat
LaundryInside · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$89/mo
Taxes (2025)$6,110/yr
PetsYes
CommunityDeed Restrictions · Playground · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Available · Phone Available · Sewer Available · Water Available
WaterPublic

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.

$3,645 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,712
FHA mortgage insurance (est.)$175
Property tax — 2025 actual bill$509
HOA fee — from the listing$89
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,825Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,825
Interest rate7.50%
Loan term

Estimated payment

$3,645/mo

Principal & interest$2,712
FHA mortgage insurance (est.)$175
Property taxes (actual bill)$509
HOA / condo fee$89
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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.

List $395K
$379KedgeAI estimate $419,415 · range $399K–$434K$451K

vs edgeAI estimate

−5.8%

$/sqft vs Plant City actives

$144 vs $203

Days on market

120 vs 43 typical

Where $144/sqft sits among the 287 Plant City actives

76 · this home
104
44
32
10
21
$140–179$179–219$219–258$258–298$298–337$337+

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 Plant City

Drive times from this address

Downtown Tampa≈ 31 min
Tampa Int’l Airport (TPA)≈ 42 min
Walt Disney World≈ 54 min
Universal Orlando≈ 64 min
Downtown Orlando≈ 70 min
Orlando Int’l Airport (MCO)≈ 75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Plant City. See the full Plant City guide →

PLANT CITY 33566 — neighborhood snapshot

Population

23,727

Median age

38

Median income

$71,161

Median home value

$290,600

Avg household

2.94

Households w/ children

2,833

For the school run

Hillsborough County School District

ElementarySpringhead Elementary School★★★★★
HighPlant City High School★★★★★
MiddleMarshall Middle Magnet School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Plant City market

Seller’s marketLeans seller — 3.4 months of inventoryBuyer’s market

$351K → $346K

Plant City median sold, yr/yr

98.2%

Sale-to-list ratio (12 mo)

168 of 287

Plant City actives have cut their price

Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.

Paper trail

This home's history

CurrentPrice reduced to $395,000 ▼ $4K
Jul 10, 2026Listed at $399,000 · 120 days on market since
2011Built · WHISPERING WOODS PH 1

Reality check

What actually sold near 2746 WALDEN WOODS DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2633 WALDEN WOODS DRIVESold · Oct ’26

$212,500

2633 WALDEN WOODS DRIVE · same community

3 bd · 2 ba · 1,444 sqft · $147/sqft · 42 DOM

2605 HOLLY BLUFF COURTSold · Nov ’25

$379,000

2605 HOLLY BLUFF COURT

4 bd · 2.5 ba · 2,748 sqft · $138/sqft · 46 DOM

3135 S NORTHVIEW ROADSold · Jul ’26

$390,000

3135 S NORTHVIEW ROAD

5 bd · 3 ba · 2,674 sqft · $146/sqft · 50 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.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2746 WALDEN WOODS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2746 WALDEN WOODS DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2746 WALDEN WOODS DRIVE FAQs

What would the monthly payment be for 2746 WALDEN WOODS DRIVE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,645/mo — principal and interest, the actual property-tax bill, the $89/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 2746 WALDEN WOODS DRIVE?+

The association fee works out to $89 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2746 WALDEN WOODS DRIVE?+

The most recent tax bill on record (2025) was $6,110. 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 2746 WALDEN WOODS DRIVE?+

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 Plant City?+

At $395,000, this home is priced right at the Plant City median.

Which schools are assigned to 2746 WALDEN WOODS DRIVE?+

Springhead Elementary School (elementary), Plant City High School (high), Marshall Middle Magnet School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

02Time on market is leverage

120 days on market against a Plant City median of 43 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $399,000, now $395,000 — a $4K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Jen Lay. MLS #L4963361.

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.

Never miss a listing

New Plant City homes, in your inbox

Like 2746 WALDEN WOODS DRIVE but not quite? A daily digest of every new listing in Plant City — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Kevin to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 5:56 AM UTC. The listing information on this page last changed on November 7, 2026 at 5:56 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 5:56 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 5:56 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.