10504 VILLA VIEW CIRCLE, TAMPA, FL, 33647
Active114 days on marketListed Apr 14, 2026MLS #TB8497044
About this home
10504 VILLA VIEW CIRCLE
Welcome to what is arguably one of the finest units in all of the Villas Condominiums on Cross Creek — a light, airy, and impeccably appointed 2-bedroom, 2-bathroom condo in the heart of sought-after New Tampa. If you're looking for the best the complex has to offer at the right price, look no further. This second-floor gem boasts one of the community's rarest finds — a side-by-side 2-car garage. Inside, vinyl flooring flows through the main living areas while carpet warms both bedrooms. The spacious living room centers around a cozy fireplace, and the updated kitchen shines with granite countertops and ample cabinetry. The dining area and two private balconies all overlook the resort-style pool and clubhouse — a backdrop you'll never tire of. Each bedroom features its own full bathroom and walk-in closet. Washer and dryer included. HOA covers high-speed internet and cable TV. Steps from the clubhouse and pool, and just minutes from Publix, New Tampa Public Library, top shopping, dining, and entertainment — with USF only about 12 minutes away. Buyers will appreciate the HOA's proactive approach to maintenance — a recent inspection identified a roof issue that the association has already addressed with a temporary weatherproof membrane while a permanent repair is coordinated. As an HOA-maintained roof, the repair responsibility falls to the association, not the unit owner. This unit is priced accordingly, representing an outstanding opportunity for the savvy buyer. Priced to sell and ready to impress!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,353
Sqft
0 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$118
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.
$2,143 /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
$2,143/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
+1.1%
$/sqft vs THE VILLAS CONDO
$118 vs $137
Days on market
114 vs 41 typical
Where $118/sqft sits among the 11 homes for sale in THE VILLAS CONDO
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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33647 — neighborhood snapshot
Population
74,919
Median age
37
Median income
$104,775
Median home value
$437,600
Avg household
2.79
Households w/ children
10,222
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $435K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
4 of 11
THE VILLAS CONDO have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% below the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10504 VILLA VIEW CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$196,750
10502 VILLA VIEW CIRCLE · same community
2 bd · 2 ba · 1,340 sqft · $147/sqft · 154 DOM
Sold · Mar ’26$130,000
18118 VILLA CREEK DRIVE UNIT N/A · same community
3 bd · 2 ba · 1,445 sqft · $90/sqft · 5 DOM
Sold · Mar ’26$100,000
17965 VILLA CREEK DRIVE · same community
3 bd · 2 ba · 1,476 sqft · $68/sqft · 32 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 10504 VILLA VIEW CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10504 VILLA VIEW CIRCLE — 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
10504 VILLA VIEW CIRCLE FAQs
What would the monthly payment be for 10504 VILLA VIEW CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,143/mo — principal and interest, the actual property-tax bill, the $736/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 10504 VILLA VIEW CIRCLE?+
The association fee works out to $736 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10504 VILLA VIEW CIRCLE?+
The most recent tax bill on record (2025) was $2,821. 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 10504 VILLA VIEW CIRCLE?+
The listing reports pets: Number Limit, Size Limit. 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 Tampa?+
At $159,900, this home is listed about 64% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10504 VILLA VIEW CIRCLE?+
Wharton High School (high), Turner-Bartels K-8 School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the TAMPA 33647 market on paper
$159,900 is 57% below the TAMPA 33647 median of $375,000, and at $118/sqft it sits under the Tampa average of $345.
02Pool & Water views
The pool and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $736/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
114 days on market against a Tampa median of 41 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $169,000, now $159,900 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SUNLIGHT REALTY LLC · Sam Turgeon. MLS #TB8497044.
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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