CENTURY 21 Edge
Short-Term Rental Eligible
$420,0003 bd2 ba1,934 sqft$217 /sqft$3,192 /mo all-in ↓

3513 PINE TOP DRIVE, VALRICO, FL, 33594

Active18 days on marketListed Sep 2, 2026MLS #TB8544640

Single Family ResidenceSOMERSET TR B

About this home

3513 PINE TOP DRIVE

Welcome to this exceptional Valrico residence in the sought-after Somerset community, where thoughtful updates, beautiful natural surroundings, and an impressive collection of community amenities come together to create a truly special place to call home. From the moment you arrive, you'll appreciate the pride of ownership and inviting setting this property offers. Inside, the split-bedroom floor plan provides an ideal balance of privacy and functionality, with the spacious primary suite thoughtfully separated from the additional bedrooms. The primary retreat offers a peaceful escape with a generous bedroom, dual-sink bathroom vanity, and luxurious jetted tub—the perfect place to unwind at the end of the day. One of the home's most captivating features is the wooded view from the screened-in porch. Backing to an area where no future construction is planned, this picturesque natural backdrop provides a wonderful sense of privacy and a view you can enjoy for years to come. Imagine starting your morning with a cup of coffee outdoors or winding down in the evening as the sun sets across the sky. Whether you're entertaining guests or simply enjoying a quiet moment at home, this outdoor living space is sure to become a favorite. The home has been exceptionally well cared for and thoughtfully updated over the years. Improvements include a 50-year shingle roof installed in 2020, A/C replaced in 2018, double-pane windows and sliding glass doors installed in 2023, hurricane shutters added in 2019, exterior painted in 2023, new microwave and oven in 2024, new carpet in 2024, and whole-attic insulation installed in 2026. An additional standout feature is the backup battery power system, providing added peace of mind and backup power during storm-related outages. The home is also equipped with Ring security cameras and a Ring doorbell camera, providing exterior coverage around the front, sides, and rear of the property. The Somerset community adds another layer of appeal, offering amenities designed to make everyday life more enjoyable. Residents have access to a community pool, basketball and volleyball courts, neighborhood park, and dog park, creating inviting spaces for recreation and relaxation. The HOA is actively involved in maintaining the community and keeping properties looking their best, while neighborhood patrol provides an added presence throughout the community. Location is equally appealing. Situated in Valrico just beyond the busiest areas of Brandon, this home offers convenient access to everyday conveniences and major roadways while maintaining the comfortable feel of an established residential community. Enjoy being close to everything you need while coming home to a neighborhood where the pace feels a little more relaxed. A peaceful wooded backdrop, beautiful sunsets, an impressive list of updates, and the amenities of Somerset come together to offer a home that is as enjoyable to live in as it is inviting to come home to.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,934

Sqft

0.18 ac

Lot size

2

Garage

2002

Year built

One

Levels

$217

Per sqft

Trees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Engineered Hardwood · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewTrees/Woods · Water
FacesSouth
ExteriorHurricane Shutters · Irrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$53/mo
Taxes (2025)$3,851/yr
PetsYes
CommunityBuyer Approval Required · Dog Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available
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.

$3,192 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property tax — 2025 actual bill$321
HOA fee — from the listing$53
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,700Loan30-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% · $14,700
Interest rate6.00%
Loan term

Estimated payment

$3,192/mo

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property taxes (actual bill)$321
HOA / condo fee$53
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 $420K
$354KedgeAI estimate $397,975 · range $369K$421K$438K

vs edgeAI estimate

+5.5%

$/sqft vs Valrico actives

$217 vs $215

Days on market

18 vs 36 typical

Where $217/sqft sits among the 197 Valrico actives

31
29
57 · this home
40
21
19
$157–178$178–199$199–220$220–241$241–262$262+

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.

The investor lens

Two ways this home pays

This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunitySomerset
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,299/mo median

MarketValrico
Annual gross at median$27,588
Gross yield on this price6.6%
Homes for rent right now39

Live Valrico rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Somerset

Drive times from this address

Downtown Tampa24 min
Tampa Int’l Airport (TPA)36 min
Walt Disney World69 min

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

Somerset is a short-term-rental community. See the full guide →

Somerset — neighborhood snapshot

Population

1,623

Median age

40

Median income

$96,090

Median home value

$380,252

Avg household

3

Households w/ children

216

For the school run

Hillsborough County School District

MiddleMulrennan Middle School★★★★★
ElementaryNelson Elementary School★★★★★
HighDurant High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Valrico market

Seller’s marketSeller’s market2.7 months of inventoryBuyer’s market

$450K$437K

Valrico median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

125 of 197

Valrico actives have cut their price

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

Paper trail

This home's history

Sep 2, 2026Listed at $420,000 · 18 days on market since
2002Built · SOMERSET TR B

Reality check

What actually sold near 3513 PINE TOP DRIVE

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

3407 PINE TOP DRIVESold · Dec ’25

$405,000

3407 PINE TOP DRIVE · same community

3 bd · 2 ba · 2,200 sqft · $184/sqft · 114 DOM

211 ENGLISH CHANNEL PLACESold · May ’26

$355,000

211 ENGLISH CHANNEL PLACE

4 bd · 2 ba · 1,918 sqft · $185/sqft · 63 DOM

206 CINNAMON BARK PLACESold · Nov ’25

$371,900

206 CINNAMON BARK PLACE

4 bd · 2.5 ba · 2,022 sqft · $184/sqft · 21 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3513 PINE TOP DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3513 PINE TOP DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3513 PINE TOP DRIVE FAQs

What would the monthly payment be for 3513 PINE TOP DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,192/mo — principal and interest, the actual property-tax bill, the $53/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 3513 PINE TOP DRIVE?+

The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3513 PINE TOP DRIVE?+

The most recent tax bill on record (2025) was $3,851. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 3513 PINE TOP DRIVE be rented short-term?+

Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 3513 PINE TOP 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 Valrico?+

At $420,000, this home is listed about 12% below the Valrico median of $475,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3513 PINE TOP DRIVE?+

Mulrennan Middle School (middle), Nelson Elementary School (elementary), 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.

Listing courtesy of BROPHY REAL ESTATE · Summer Wenzel. MLS #TB8544640.

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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