3483 CHARMWOOD AVENUE, SPRING HILL, FL, 34609
Active107 days on marketListed Apr 27, 2026MLS #TB8502224
About this home
3483 CHARMWOOD AVENUE
LOCATION • SPACE • FREEDOM — NO HOA, NO CDD, LOW TAXES! This is the one that makes you stop scrolling. A home where space, light, and flexibility come together to create something truly special. Officially a 3-bedroom, 3-bath home public records, yet currently configured and functioning as a spacious 5-bedroom residence—perfect for large families, guests, or multi-generational living. From the moment you walk in, you’ll feel it—natural light pouring in, open spaces that invite connection, and a layout designed to live, grow, and create unforgettable memories. The flexible floor plan includes a large bedroom on the first floor and four additional rooms upstairs, including a perfect setup for a private in-law suite, home office, or income-producing opportunity. Now step outside… and this is where it becomes unforgettable. A large above-ground pool ready for summer days, weekend gatherings, and celebrations with family and friends. Big lanai, expansive backyard, and plenty of front yard space—this is your private outdoor retreat with room to dream, entertain, and enjoy life without limits. Bring your cars, your toys, your vision. Major upgrade: brand-new septic system (2025), providing peace of mind and long-term value. Location? Exactly where you want to be: Close to shopping, restaurants, and everyday essentials Near medical centers and healthcare facilities Approx. 45–50 minutes to Tampa Approx. 50–60 minutes to Tampa International Airport Approx. 60–70 minutes to Clearwater Beach Quick access to the Suncoast Parkway Opportunities like this don’t come often—a home with this much space, flexibility, and freedom is not just a place to live… it’s a lifestyle and a smart investment. Schedule your showing today before someone else claims it.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,344
Sqft
0.23 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$166
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 — not generic estimates.
$3,042 /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
$3,042/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
−2.4%
$/sqft vs SPRING HILL
$166 vs $199
Days on market
107 vs 42 typical
Where $166/sqft sits among the 278 homes for sale in SPRING HILL
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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
The numbers that matter
The Spring Hill market
$320K → $325K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
139 of 278
SPRING HILL have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the Spring Hill median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 3483 CHARMWOOD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$380,000
11150 MARQUETTE STREET · same community
3 bd · 3.5 ba · 2,356 sqft · $161/sqft · 17 DOM
Sold · Mar ’26$377,500
7337 PRICE STREET · same community
4 bd · 2 ba · 2,102 sqft · $180/sqft · 18 DOM
Sold · Dec ’25$365,000
10462 BAYLOR DRIVE · same community
3 bd · 2 ba · 1,883 sqft · $194/sqft · 3 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3483 CHARMWOOD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3483 CHARMWOOD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3483 CHARMWOOD AVENUE FAQs
What would the monthly payment be for 3483 CHARMWOOD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,042/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3483 CHARMWOOD AVENUE?+
The most recent tax bill on record (2025) was $4,975. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Spring Hill?+
At $389,900, this home is listed about 15% above the Spring Hill median of $340,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$389,900 runs 15% above the Spring Hill median — but at 2,344 sqft it's also 31% larger than the typical Spring Hill listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
107 days on market against a Spring Hill median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $399,900, now $389,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Pedro Luna, PA. MLS #TB8502224.
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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