CENTURY 21 Edge
$325,0003 bd2.5 ba1,856 sqft$175 /sqft$2,942 /mo all-in ↓

11287 CAY SPRUCE WAY, SAN ANTONIO, FL, 33576

Active10 days on marketListed Aug 19, 2026MLS #TB8540643

TownhouseMIRADA PRCL 21-1

About this home

11287 CAY SPRUCE WAY

Welcome to your slice of paradise in the sought after Mirada community, where resort style living isn't a getaway, it's your everyday reality. This stunning 3 bedroom, 2.5 bath townhome sits in a quiet, well established neighborhood framed by lush, mature landscaping, sidewalk lined streets, and elegant fountain features that greet you at the entrance and set the tone the moment you arrive. With a tranquil water view of the pond out back, ample guest parking beyond the garage, and one of the largest man made lagoons just steps away, this home truly delivers a lifestyle most people only dream about. Step inside through a charming covered entry and immediately feel the openness of the bright, airy first floor. Tile flooring flows seamlessly through the living, dining, and kitchen areas, accented by upgraded lighting and a thoughtfully designed layout that makes entertaining feel completely effortless. Natural light pours into every corner, and the transition between spaces is smooth and inviting. The kitchen is the heart of the home and it shows, featuring quartz countertops, stainless steel appliances, a striking tile backsplash, a walk in pantry, and a center island with a breakfast bar that's perfect for casual mornings or hosting friends. A guest half bath on the main level adds everyday convenience. Head upstairs to find plush carpeted bedrooms, a second floor laundry closet that keeps chores out of sight, and a versatile office nook ideal for working from home or creative pursuits. The generous primary suite is your personal retreat, complete with a large walk in closet and a spa inspired en suite bath featuring dual vanity sinks, a glass enclosed walk in shower, etc. The second bedroom also includes a walk in closet and sits conveniently across from the full guest bath, while the third bedroom adapts beautifully to whatever your lifestyle calls for; guest room, hobby space, or home gym. Out back, your screened porch frames peaceful pond views that make unwinding at the end of the day feel like a luxury. And when you're ready for more adventure, the lagoon is right around the corner — offering kayaking, paddle boarding, beachside lounging, and a full calendar of community events that keep the energy alive year round. The HOA takes care of the details so you don't have to — covering ultra fast WiFi, cable, lagoon access, lawn maintenance, and roof reserves, delivering a truly low maintenance lifestyle packed with perks. Opportunities like this don't last long in a community this vibrant. Schedule your private showing today and come see why people who visit Mirada end up calling it home. Sold as-is, buyer or buyer agent to verify any and all information, rules, restrictions, etc.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,856

Sqft

0.06 ac

Lot size

1

Garage

2020

Year built

Two

Levels

$175

Per sqft

Water viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Closet · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesEast
ParkingGuest
ExteriorIrrigation System · Lighting · Sidewalk

Community & fees

HOA fee$332/mo
Taxes (2025)$4,712/yr
PetsBreed Restrictions, Number Limit, Yes
CommunityDeed Restrictions · Golf Carts OK · Playground · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$2,942 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property tax — 2025 actual bill$393
HOA fee — from the listing$332
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,375
Interest rate6.00%
Loan term

Estimated payment

$2,942/mo

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property taxes (actual bill)$393
HOA / condo fee$332
Est. insurance$160

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.

List $325K
$296KedgeAI estimate $332,828 · range $308K$357K$371K

vs edgeAI estimate

−2.4%

$/sqft vs San Antonio actives

$175 vs $197

Days on market

10 vs 70 typical

Where $175/sqft sits among the 128 San Antonio actives

27 · this home
29
35
24
4
9
$156–175$175–194$194–214$214–233$233–252$252+

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 San Antonio

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)48 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know San Antonio. See the full San Antonio guide →

SAN ANTONIO 33576 — neighborhood snapshot

Population

6,415

Median age

61.1

Median income

$77,950

Median home value

$330,500

Avg household

2.21

Households w/ children

337

For the school run

Pasco County School District

ElementarySan Antonio Elementary School★★★★
HighPasco High School★★★★
MiddlePasco Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The San Antonio market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$360K$302K

San Antonio median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

73 of 128

San Antonio actives have cut their price

Median sold price, San Antonio, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 8% above the SAN ANTONIO 33576 median. See the full San Antonio market guide →

Paper trail

This home's history

Aug 19, 2026Listed at $325,000 · 10 days on market since
2020Built · MIRADA PRCL 21-1

Reality check

What actually sold near 11287 CAY SPRUCE WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

31878 GRIFFIN SANDS LANESold · Oct ’25

$310,000

31878 GRIFFIN SANDS LANE

2 bd · 2 ba · 1,783 sqft · $174/sqft · 37 DOM

31834 GRIFFIN SANDS LANESold · Nov ’25

$320,000

31834 GRIFFIN SANDS LANE

2 bd · 2 ba · 1,783 sqft · $179/sqft · 70 DOM

31802 GRIFFIN SANDS LANESold · Aug ’25

$306,985

31802 GRIFFIN SANDS LANE

2 bd · 2 ba · 1,783 sqft · $172/sqft · 12 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11287 CAY SPRUCE WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11287 CAY SPRUCE WAY — 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

11287 CAY SPRUCE WAY FAQs

What would the monthly payment be for 11287 CAY SPRUCE WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,942/mo — principal and interest, the actual property-tax bill, the $332/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 11287 CAY SPRUCE WAY?+

The association fee works out to $332 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11287 CAY SPRUCE WAY?+

The most recent tax bill on record (2025) was $4,712. 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 11287 CAY SPRUCE WAY?+

The listing reports pets: Breed Restrictions, Number Limit, 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 San Antonio?+

At $325,000, this home is listed about 12% below the San Antonio median of $368,950. The market section on this page shows how the area is trending.

Which schools are assigned to 11287 CAY SPRUCE WAY?+

San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of GREAT WESTERN REALTY · Jack Guerra, LLC. MLS #TB8540643.

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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