2863 DUNCAN TREE CIRCLE, VALRICO, FL, 33594
Active138 days on marketListed May 27, 2026MLS #TB8508450
About this home
2863 DUNCAN TREE CIRCLE
Welcome to Duncan Groves, an established Valrico community tucked just off State Road 60 with easy access to Brandon, Tampa, and the greater Bay area. This 4 bedroom, 3 bathroom pool home with a 3-car garage offers 2,547 square feet of living space on a quarter-acre lot, with a brand new 30-year architectural shingle roof installed in 2025 and fresh interior and exterior paint throughout. Inside, cathedral and vaulted ceilings give the home an open, airy feel, and plantation shutters adorn the windows throughout. The kitchen features granite countertops, custom tile work, and a large breakfast bar that opens to the family room, while formal living and dining rooms provide dedicated spaces for entertaining. A den with rich wood flooring works perfectly as a home office or reading room. The primary suite is generously sized with a separate sitting area, walk-in closet, and a private bath with garden tub, separate shower, and dual vanities. Out back, the screened pool and lanai back up to no rear neighbors, and the fully fenced yard with white vinyl PVC fencing gives you privacy on all sides. The irrigation system keeps the landscaping maintained with minimal effort. Duncan Groves carries a low $650 annual HOA fee and is zoned for Valrico Elementary, Mulrennan Middle, and Durant High School. The home sits in Flood Zone X, so no lender-required flood insurance. Property is being sold As-Is. Buyer to verify all measurements, condition, and property information. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,547
Sqft
0.24 ac
Lot size
3
Garage
2001
Year built
One
Levels
$216
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.
$4,437 /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
$4,437/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
+2.7%
$/sqft vs Valrico actives
$216 vs $211
Days on market
138 vs 53 typical
Where $216/sqft sits among the 202 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.
Where it sits
Inside Duncan Groves
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Duncan Groves — neighborhood snapshot
Population
882
Median age
44
Median income
$121,563
Median home value
$407,600
Avg household
3
Households w/ children
114
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
$450K → $433K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
125 of 202
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 2863 DUNCAN TREE CIRCLE
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$565,000
2814 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,563 sqft · $220/sqft · 2 DOM
Sold · Dec ’25$545,000
2864 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,440 sqft · $223/sqft · 47 DOM
Sold · Apr ’26$520,000
2846 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,437 sqft · $213/sqft · 83 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 2863 DUNCAN TREE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2863 DUNCAN TREE CIRCLE — 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
2863 DUNCAN TREE CIRCLE FAQs
What would the monthly payment be for 2863 DUNCAN TREE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,437/mo — principal and interest, the actual property-tax bill, the $54/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 2863 DUNCAN TREE CIRCLE?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2863 DUNCAN TREE CIRCLE?+
The most recent tax bill on record (2025) was $8,900. 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 2863 DUNCAN TREE CIRCLE?+
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 $550,000, this home is listed about 25% above the Valrico median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2863 DUNCAN TREE CIRCLE?+
Valrico Elementary School (elementary), Mulrennan Middle School (middle), 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.
The brief
Four things that matter here
01Positioned at the premium end
$550,000 runs 39% above the VALRICO 33594 median — but at 2,547 sqft it's also 21% larger than the typical Valrico 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
138 days on market against a Valrico median of 53 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Valrico Elementary School, Mulrennan Middle School, Durant High School, Patricia Sullivan Metropolitan Ministries Partnership School — Valrico Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Bradley Chais. MLS #TB8508450.
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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