12290 STIRRUP DRIVE, DADE CITY, FL, 33525
Pending108 days on marketListed Apr 20, 2026MLS #TB8499878
About this home
12290 STIRRUP DRIVE
Under Construction. New Construction Home by M/I Homes in Hilltop Point. Popular Picasso floorplan, elevation C. Discover this beautifully crafted new construction home at 12290 Stirrup Drive in Dade City, Florida. This thoughtfully designed single-story home offers 2,223 square feet of comfortable living space with quality design throughout. Key Features: 4 spacious bedrooms, 3 full bathrooms, An open-concept living space perfect for entertaining and daily life, 2,223 square feet of well-planned interior space, A 2-car garage. This home's floorplan maximizes functionality while maintaining an inviting atmosphere. The open-concept design seamlessly connects living areas, creating an ideal environment for both relaxation and gatherings. You'll love the convenience and accessibility this one-story home offers. Your owner's bedroom is located in the corner and features an en-suite bathroom and a walk-in closet. This neighborhood offers excellent proximity to parks, providing recreational opportunities just minutes from your front door. The surrounding area features well-established neighborhoods that enhance the overall appeal of this desirable location. Every aspect of the design focuses on creating a comfortable and functional living environment for today's homeowners. The thoughtful layout and quality construction make this home an excellent choice for those seeking new construction in Dade City. Experience the benefits of moving into a brand-new home where everything is fresh, clean, and ready for you to make it your own. Contact us today to schedule your visit! *Photos shown are for representation purposes only and may not depict the actual home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,223
Sqft
0.16 ac
Lot size
2
Garage
2026
Year built
One
Levels
$162
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.
$3,019 /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
$3,019/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
+4.7%
$/sqft vs HILLTOP POINT
$162 vs $142
Days on market
108 vs 42 typical
Where $162/sqft sits among the 17 homes for sale in HILLTOP POINT
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 Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33525 — neighborhood snapshot
Population
20,220
Median age
44.2
Median income
$69,697
Median home value
$228,700
Avg household
2.57
Households w/ children
2,084
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$340K → $354K
Dade City median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
13 of 17
HILLTOP POINT have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the DADE CITY 33525 median. See the full Dade City market guide →
Paper trail
This home's history
Reality check
What actually sold near 12290 STIRRUP DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$328,990
38261 PALOMINO DRIVE · same community
4 bd · 3 ba · 2,174 sqft · $151/sqft · 62 DOM
Sold · Nov ’25$375,000
38442 TOBIANO LOOP · same community
4 bd · 3 ba · 2,095 sqft · $179/sqft · 34 DOM
Sold · Jan ’26$344,000
38426 TOBIANO LOOP · same community
3 bd · 2 ba · 2,095 sqft · $164/sqft · 98 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 12290 STIRRUP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12290 STIRRUP DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12290 STIRRUP DRIVE FAQs
What would the monthly payment be for 12290 STIRRUP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,019/mo — principal and interest, the actual property-tax bill, the $14/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 12290 STIRRUP DRIVE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12290 STIRRUP DRIVE?+
The most recent tax bill on record (2026) was $6,800. 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 12290 STIRRUP 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 Dade City?+
At $359,930, this home is listed about 8% below the Dade City median of $391,490. The market section on this page shows how the area is trending.
Which schools are assigned to 12290 STIRRUP DRIVE?+
Pasco High School (high), Pasco Middle School (middle), San Antonio Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the DADE CITY 33525 market on paper
$359,930 is 5% below the DADE CITY 33525 median of $377,490, and at $162/sqft it sits under the Dade City average of $245.
02Time on market is leverage
108 days on market against a Dade City median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,930, now $359,930 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of M/I HOMES · Marshall Gray. MLS #TB8499878.
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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