11016 SAGINAW DRIVE, TAMPA, FL, 33617
Active48 days on marketListed Jun 26, 2026MLS #TB8523485
About this home
11016 SAGINAW DRIVE
4.99% INTEREST RATE** If you are buying a home in Florida, having a Pool is a must, especially during the hot months of July & August! Welcome home to 11016 Saginaw Drive — a spacious, single-story residence perfectly situated on a generous 0.33-acre lot in the highly sought-after Temple Terrace Hills neighborhood. This 4-bedroom, 4-bathroom (3 full + 1 half pool bath) home offers 2,440 square feet of comfortable living space plus an additional enclosed 367 sq ft Florida Room lined with windows overlooking the pool. This home is move-in ready with modern updates throughout. Step inside to discover an open, inviting floor plan that flows effortlessly from room to room. The bright living areas are ideal for both relaxing and entertaining. The well-equipped kitchen features stainless steel appliances, closet pantry, a skylight, and plenty of cabinet space. Generous bedrooms include a sizable primary suite with a walk-in closet, plus an in-law floor plan layout that offers excellent flexibility. Additional highlights include new laminate and tile flooring, area for an office, and ceiling fans throughout. Outside, prepare to be impressed by your own private oasis. The highlight is the beautiful in-ground pool, perfect for year-round enjoyment in Florida’s sunshine. The expansive, fully fenced backyard provides plenty of room for outdoor gatherings, children to play, or simply relaxing in peace. With no HOA or CDD fees, you have the freedom to truly make this home your own. Additional features include a 2-car attached garage, security system, and durable block & brick construction. Located in the golf community of Temple Terrace (golf cart friendly location) with easy access to major roads, shopping, dining, USF, and top-rated schools, this property offers the perfect blend of space, comfort, and location. Don’t miss your opportunity to own this rare pool home on a large lot in one of Temple Terrace’s most established communities. Schedule your showing today and make 11016 Saginaw Drive your new address! **Take advantage of a seller-paid 1-0 temporary buydown! Qualified buyers may receive a first-year payment based on an introductory rate as low as 4.99%, with the interest rate returning to the note rate beginning in year two. Subject to underwriting approval, loan program requirements, and market conditions. Contact Listing Agent for preferred lender details.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,440
Sqft
0.33 ac
Lot size
2
Garage
1974
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 — not generic estimates.
$3,694 /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
$3,694/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.
$/sqft vs Tampa actives
$211 vs $300
Days on market
48 vs 43 typical
Where $211/sqft sits among the 400 Tampa 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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33617 — neighborhood snapshot
Population
47,880
Median age
33.1
Median income
$48,651
Median home value
$267,200
Avg household
2.32
Households w/ children
5,060
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 → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
219 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 178% above the TAMPA 33617 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 11016 SAGINAW DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$475,000
10907 KEWANEE DRIVE · same community
4 bd · 3 ba · 2,502 sqft · $190/sqft · 83 DOM
Sold · Jan ’26$480,000
10905 KEWANEE DRIVE · same community
4 bd · 2 ba · 1,892 sqft · $254/sqft · 17 DOM
Sold · Jun ’26$475,000
11003 KEWANEE DRIVE · same community
4 bd · 2 ba · 1,875 sqft · $253/sqft · 4 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11016 SAGINAW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11016 SAGINAW DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11016 SAGINAW DRIVE FAQs
What would the monthly payment be for 11016 SAGINAW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,694/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 11016 SAGINAW DRIVE?+
The most recent tax bill on record (2025) was $3,293. 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 Tampa?+
At $515,000, this home is listed about 14% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11016 SAGINAW DRIVE?+
Greco Middle Magnet School (middle), Lewis Elementary School (elementary), King 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
01Positioned at the premium end
$515,000 runs 178% above the TAMPA 33617 median — but at 2,440 sqft it's also 54% larger than the typical Tampa listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $557,000, now $515,000 — a $42K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Mike Valdes. MLS #TB8523485.
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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