10908 SUBTLE TRAIL DRIVE, RIVERVIEW, FL, 33579
Active46 days on marketListed Aug 28, 2026MLS #L4964543
About this home
10908 SUBTLE TRAIL DRIVE
POND VIEWS, MAJOR UPDATES, AND OVER 2,500 SQ. FT. OF LIVING SPACE—this South Fork home brings together the features buyers are looking for with several big-ticket improvements already completed! A NEW ROOF (2025), HVAC (2024), exterior paint (2025), and fresh interior paint completed summer 2026 set the stage for a home that feels refreshed and ready for its next owner. Inside, tile flooring downstairs (2020) leads through an open living area centered around a spacious kitchen featuring Corian countertops and a large island perfect for gathering. A conveniently located half bath on the main level provides easy access for guests while keeping the upstairs living spaces private—ideal for everyday living and entertaining. Upstairs, vinyl flooring (2021) continues into an oversized primary suite with a private en-suite bath featuring a walk-in shower and garden tub. Two additional bedrooms share a second full bathroom. Out back, peaceful pond views create a relaxing backdrop to enjoy right from home. South Fork residents also have access to a swimming pool and children’s pool, tennis and recreation/basketball courts, playground, community center, and neighborhood parks and green spaces. Conveniently located near shopping, dining, major roadways, and the greater Tampa Bay area, this home combines space, recent improvements, community amenities, and a waterfront setting in one inviting package. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,541
Sqft
0.14 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$157
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.
$3,188 /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
$3,188/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.
vs edgeAI estimate
+4.6%
$/sqft vs SOUTH FORK UNIT 3
$157 vs $166
Days on market
46 vs 65 typical
Where $157/sqft sits among the 7 homes for sale in SOUTH FORK UNIT 3
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 South Fork
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Riverview. See the full Riverview guide →
South Fork — neighborhood snapshot
Population
6,365
Median age
38
Median income
$106,681
Median home value
$315,410
Avg household
3
Households w/ children
1,013
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Riverview market
$394K → $362K
Riverview median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
6 of 7
SOUTH FORK UNIT 3 have cut their price
Median sold price, Riverview, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the RIVERVIEW 33579 median. See the full Riverview market guide →
Paper trail
This home's history
Reality check
What actually sold near 10908 SUBTLE TRAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$375,000
10907 AUSTRALIAN PINE DRIVE · same community
4 bd · 3 ba · 2,337 sqft · $160/sqft · 33 DOM
Sold · Dec ’25$325,000
10812 AUSTRALIAN PINE DRIVE · same community
3 bd · 2 ba · 1,877 sqft · $173/sqft · 7 DOM
Sold · Jun ’26$340,000
10920 SUBTLE TRAIL DRIVE · same community
3 bd · 2 ba · 1,695 sqft · $201/sqft · 85 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10908 SUBTLE TRAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10908 SUBTLE TRAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10908 SUBTLE TRAIL DRIVE FAQs
What would the monthly payment be for 10908 SUBTLE TRAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,188/mo — principal and interest, the actual property-tax bill, the $40/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 10908 SUBTLE TRAIL DRIVE?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10908 SUBTLE TRAIL DRIVE?+
The most recent tax bill on record (2025) was $5,472. 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 10908 SUBTLE TRAIL DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 Riverview?+
At $399,999, this home is listed about 6% above the Riverview median of $378,500. The market section on this page shows how the area is trending.
Which schools are assigned to 10908 SUBTLE TRAIL DRIVE?+
Summerfield Crossings Elementary School (elementary), East Bay High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Adrianna Darr. MLS #L4964543.
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 Riverview homes, in your inbox
Like 10908 SUBTLE TRAIL DRIVE but not quite? A daily digest of every new listing in Riverview — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →