3304 SUMMER ISLAND COURT, VALRICO, FL, 33594
Active19 days on marketListed Oct 19, 2026MLS #O6451042
About this home
3304 SUMMER ISLAND COURT
Beautiful and cozy 3 bedroom / 2 bath home with 1 car garage on a quiet cul-de-sac in Somerset!! With 1182 sq. ft. there is plenty of room for all your needs! The home has been completely remodeled from top to bottom, and features new luxury vinyl plank flooring throughout, granite countertops, ceiling fans in the bedrooms and living area. A new roof, heating and A/C in 2023 ensure care free maintenance. The open concept kitchen features a breakfast bar, soft close shaker cabinets, new stainless steel appliances and a gas range. Bedrooms are all about equal in size, with the master having an oversized shower in the attached en-suite. Enjoy the Florida weather inside the screened-in porch for your morning coffee and to beat the heat! Great location, not far from Westfield Mall, shopping centers, and restaurants. Commuting is a breeze.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,182
Sqft
0.11 ac
Lot size
2004
Year built
One
Levels
$250
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.
$2,755 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,755/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.
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.
vs edgeAI estimate
+6%
$/sqft vs Valrico actives
$250 vs $215
Days on market
19 vs 41 typical
Where $250/sqft sits among the 203 Valrico actives
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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,200/mo median
Live Valrico rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Somerset is a short-term-rental community. See the full guide →
Somerset — neighborhood snapshot
Population
1,824
Median age
40
Median income
$107,304
Median home value
$431,963
Avg household
3
Households w/ children
254
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico market
$425K → $387K
Valrico median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
115 of 203
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3304 SUMMER ISLAND COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$299,901
208 SUMMER SAILS DRIVE · same community
3 bd · 2 ba · 1,269 sqft · $236/sqft · 5 DOM
Sold · Jun ’26$200,000
5370 MYRTLE WOOD UNIT 56 · same community
2 bd · 2 ba · 1,080 sqft · $185/sqft · 147 DOM
Sold · Feb ’26$305,990
33 CAMELLIA STREET · same community
4 bd · 2 ba · 1,707 sqft · $179/sqft · 324 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3304 SUMMER ISLAND COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3304 SUMMER ISLAND COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3304 SUMMER ISLAND COURT FAQs
What would the monthly payment be for 3304 SUMMER ISLAND COURT?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,755/mo — principal and interest, the actual property-tax bill, the $62/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 3304 SUMMER ISLAND COURT?+
The association fee works out to $62 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3304 SUMMER ISLAND COURT?+
The most recent tax bill on record (2025) was $4,528. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3304 SUMMER ISLAND COURT be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3304 SUMMER ISLAND COURT?+
The listing reports pets: No. 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 Valrico?+
At $295,000, this home is listed about 33% below the Valrico median of $440,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3304 SUMMER ISLAND COURT?+
Mulrennan Middle School (middle), Nelson Elementary School (elementary), Durant 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 BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6451042.
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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