3821 NORTHERN KEY DRIVE, PLANT CITY, FL, 33565
Pending171 days on marketListed Feb 25, 2026MLS #TB8480295
About this home
3821 NORTHERN KEY DRIVE
Virtually Staged. COMPLETED HOME!! MOVE IN READY!! BRAND NEW HOME!! This single-story home optimizes space and prioritizes ease of living. An open concept design includes the family room and dining room as well as the kitchen with a center island to promote seamless transitions between activities. Nearby is the cozy owner’s suite with a private bathroom and spacious walk-in closet, while two bedrooms are located down the hall. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,555
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
One
Levels
$211
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.
$2,248 /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
$2,549/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+8.1%
Days on market
171 vs 54 typical
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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Plant City. See the full Plant City guide →
PLANT CITY 33565 — neighborhood snapshot
Population
17,716
Median age
43.6
Median income
$67,403
Median home value
$237,600
Avg household
2.81
Households w/ children
1,795
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Plant City market
$357K → $354K
Plant City median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the PLANT CITY 33565 median. See the full Plant City market guide →
Paper trail
This home's history
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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3821 NORTHERN KEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3821 NORTHERN KEY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3821 NORTHERN KEY DRIVE FAQs
What would the monthly payment be for 3821 NORTHERN KEY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,248/mo — principal and interest, estimated property taxes, the $9/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 3821 NORTHERN KEY DRIVE?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3821 NORTHERN KEY DRIVE?+
The most recent tax bill on record (2024) was $0. 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 3821 NORTHERN KEY 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 $328,490, this home is listed about 18% below the Plant City median of $400,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3821 NORTHERN KEY DRIVE?+
Knights Elementary School (elementary), Marshall Middle Magnet School (middle), Plant City 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.
The brief
Three things that matter here
01Under the PLANT CITY 33565 market on paper
$328,490 is 24% below the PLANT CITY 33565 median of $429,990, and at $211/sqft it sits under the Plant City average of $241.
02Time on market is leverage
171 days on market against a Plant City median of 54 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $334,925, now $328,490 — a $6K cut. The full history is in the market section below.
Listing courtesy of LENNAR REALTY · Jenn Siemering. MLS #TB8480295.
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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