CENTURY 21 Edge
$465,0003 bd3 ba2,191 sqft$212 /sqft$4,164 /mo all-in ↓

16126 CEDAR KEY DRIVE, WIMAUMA, FL, 33598

Active11 days on marketListed Sep 10, 2026MLS #TB8545894

Single Family ResidenceVALENCIA LAKES TR J PH 2

About this home

16126 CEDAR KEY DRIVE

Welcome to resort-style living in Valencia Lakes, Tampa Bay’s premier 55+ active adult community. This beautifully appointed 2015 GL Homes PALAZZO offers 2,191 square feet of comfortable living with 3 bedrooms, 3 bathrooms, an office, dining room, great room, eat-in kitchen, dinette, and a wonderful outdoor living area with an extensive backyard. Beautifully manicured Florida-friendly landscaping, and a spacious screened front portico create an inviting first impression. French double doors open to a welcoming foyer with a 10’-to-11’ tray ceiling that welcomes all with splendor. Ceramic tile runs throughout the entire home providing a clean and cohesive look with no transitions. Just off the foyer, French doors open to a light-filled office—ideal for working from home, hobbies or simply enjoying a quiet retreat. Two generously sized guest bedrooms and a full guest bath are thoughtfully positioned toward the front of the home, providing superb comfort and privacy for visiting family and friends. A third full bathroom with walk-in shower and a spacious laundry room with upper cabinets and a cabinet utility sink add to the home’s exceptional functionality. At the heart of the home is an amazing open floor plan that features a kitchen, dinette, great room and dining room. The beautifully equipped kitchen features 42-inch solid wood cabinetry in a Cherry finish with soft-close doors and drawers, over- and under-cabinet lighting, quartz countertops, natural stone backsplash, stainless-steel appliances, a double-basin sink, and a bar height breakfast bar. The adjoining dinette is a perfect space for daily or intimate meals, and features a generous pantry and it overlooks the lanai and spacious backyard. Designed for comfortable living and easy entertaining, the expansive great room features a tray ceiling, 8 recessed lights, and impressive 12-foot glass sliders that draw your eye directly to the outdoor retreat beyond. The dining room will comfortably accommodate 8 persons in humble style. Natural light abounds through a plethora of windows that are adorned with Hunter Douglas Silhouette blinds ensconced in custom millwork valences. The spacious primary bedroom is situated at the rear of the home and features a large bay window, tray ceiling, and two walk-in closets. The ensuite bathroom offers two separate vanities (one with a make-up counter), a large glassed walk-in shower, linen closet and a water closet for the commode. Environmental comforts are assured with a 2021 4-Ton Carrier HVAC with a germicidal UV Lightstick, a 50 gal AO Smith water heater, accordion hurricane shutters, an EATON Complete Home Surge Protector, whole-house gutters, and a 2.5 car garage with luxury epoxy floors. Valencia Lakes is a most impressive community that features a 40,000SF Clubhouse, Mattison’s Clubhouse Café, live entertainment, dances, myriad Clubs, a 5,000SF State of the Heart Fitness Center, along with 7 Pickleball courts, 6 USTA Har-Tru clay tennis courts, bocce, shuffleboard, walking paths, resort-style pool, resistance pool, 5-lane lap pool, spa, dry saunas, steam rooms, craft and card rooms, billiards, community garden, dog park and the best softball field in the area. If you want it, it's here. Seize the day and start living your idyllic life today.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,191

Sqft

0.19 ac

Lot size

3

Garage

2015

Year built

One

Levels

$212

Per sqft

Trees/Woods viewNegotiable55+ community

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control
HeatingHeat Pump
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesWest
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$590/mo
Taxes (2025)$5,649/yr
PetsBreed Restrictions, Cats OK, Dogs OK
CommunityFishing · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Pool · Racquetball · Restaurant · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Fire Hydrant · Phone Available · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities · 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.

$4,164 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,737
FHA mortgage insurance (est.)$206
Property tax — 2025 actual bill$471
HOA fee — from the listing$590
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,275Loan30-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% · $16,275
Interest rate6.00%
Loan term

Estimated payment

$4,164/mo

Principal & interest$2,737
FHA mortgage insurance (est.)$206
Property taxes (actual bill)$471
HOA / condo fee$590
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 $465K
$446KedgeAI estimate $525,810 · range $476K$649K$675K

vs edgeAI estimate

−11.6%

$/sqft vs Wimauma actives

$212 vs $186

Days on market

11 vs 36 typical

Where $212/sqft sits among the 271 Wimauma actives

83
103
49 · this home
9
7
20
$136–170$170–204$204–239$239–273$273–308$308+

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 Wimauma

Drive times from this address

Downtown Tampa35 min
Tampa Int’l Airport (TPA)47 min

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

Get to know Wimauma. See the full Wimauma guide →

WIMAUMA 33598 — neighborhood snapshot

Population

29,119

Median age

35.8

Median income

$91,649

Median home value

$352,800

Avg household

3.1

Households w/ children

3,648

For the school run

Hillsborough County School District

HighLennard High School★★★★★
ElementaryCypress Creek Elementary School★★★★
MiddleShields Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Wimauma market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$354K$360K

Wimauma median sold, yr/yr

98.6%

Sale-to-list ratio (12 mo)

154 of 271

Wimauma actives have cut their price

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

This home is listed 33% above the WIMAUMA 33598 median. See the full Wimauma market guide →

Paper trail

This home's history

Sep 10, 2026Listed at $465,000 · 11 days on market since
2015Built · VALENCIA LAKES TR J PH 2

Reality check

What actually sold near 16126 CEDAR KEY DRIVE

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

16122 CEDAR KEY DRIVESold · Jul ’26

$525,000

16122 CEDAR KEY DRIVE · same community

3 bd · 2.5 ba · 2,191 sqft · $240/sqft · 65 DOM

16120 CEDAR KEY DRIVESold · Aug ’26

$410,000

16120 CEDAR KEY DRIVE · same community

3 bd · 2.5 ba · 2,171 sqft · $189/sqft · 54 DOM

4948 GRAND BANKS DRIVESold · May ’26

$465,000

4948 GRAND BANKS DRIVE

3 bd · 2.5 ba · 2,185 sqft · $213/sqft · 227 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.

Erwin Vazquez

Your agent

Erwin Vazquez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 16126 CEDAR KEY 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 16126 CEDAR KEY DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

16126 CEDAR KEY DRIVE FAQs

What would the monthly payment be for 16126 CEDAR KEY DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,164/mo — principal and interest, the actual property-tax bill, the $590/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 16126 CEDAR KEY DRIVE?+

The association fee works out to $590 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16126 CEDAR KEY DRIVE?+

The most recent tax bill on record (2025) was $5,649. 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 16126 CEDAR KEY DRIVE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 Wimauma?+

At $465,000, this home is listed about 27% above the Wimauma median of $364,995. The market section on this page shows how the area is trending.

Which schools are assigned to 16126 CEDAR KEY DRIVE?+

Lennard High School (high), Cypress Creek Elementary School (elementary), Shields Middle School (middle), 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

$465,000 runs 33% above the WIMAUMA 33598 median.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Know the monthly fee

The association fee is $590/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

Listing courtesy of DALTON WADE INC · Zoki Mbolekwa. MLS #TB8545894.

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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16126 CEDAR KEY DRIVE, WIMAUMA, FL — 3 Bed, 3 Bath — $465,000 | CENTURY 21 Edge