CENTURY 21 Edge
✦ Short-Term Rental Eligible
$450,000$465,0004 bd2.5 ba2,169 sqft$207 /sqft≈$3,554 /mo all-in ↓

1418 SHELL FLOWER DRIVE, BRANDON, FL, 33511

Active32 days on marketListed Sep 10, 2026MLS #TB8546272

✦ Reduced $15KPrivate poolSingle Family ResidenceWATERMILL AT PROVIDENCE LAKES

About this home

1418 SHELL FLOWER DRIVE

Virtually Staged. Best-priced POOL/SPA home in Providence Lakes with MANY upgrades, NO CDD fees, and low HOA fees- check it out for yourself! Impact windows (2018), roof (2018), upgraded A/C (2017), hot water heater (2020), kitchen remodel (2023), second-floor bathroom remodel (2023), upstairs carpet (2023), downstairs carpet (2024), upgraded pool pump (2026), and first-floor toilet replacement (2026). This spacious 4-bedroom, 2½-bath desirable Watermill section of Providence Lakes offers an ideal combination of comfort, functionality, and outdoor living. The backyard is sure to be a favorite gathering spot, featuring a deep, propane-heated pool and spa, all surrounded by a huge screened lanai. Whether you’re swimming, entertaining, hosting a cookout, or relaxing, this expansive outdoor space is designed for year-round Florida living. Inside, the well-designed floor plan features four generously sized bedrooms, including a desirable first-floor Owner’s Suite with two separate walk-in closets. Upstairs, two of the three secondary bedrooms feature large walk-in closets, and all three share a spacious 4-piece bathroom with a tub/shower combination. The inviting family room is filled with character, showcasing vaulted ceilings and a real wood-burning fireplace, creating a warm and comfortable space for family gatherings. Additional living areas include a living room, dining room, and breakfast nook with a built-in window seat and charming bay window. The recently remodeled kitchen features granite countertops and stainless steel appliances and flows easily into the main living areas. Sliding glass doors open to the expansive screened lanai, creating a seamless connection between indoor and outdoor living. The pool and spa are heated by propane, and the home also features a water softener and security system. Closed-circuit cameras and Washer & Dryer are not included in the sale. Conveniently located with easy access to I-75 and the Selmon/Crosstown Expressway, this home is close to shopping, dining, schools, entertainment, and major employment centers. Whether you’re looking for a home with room to grow, an amazing backyard for entertaining, this Providence Lakes home checks all the boxes!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,169

Sqft

0.15 ac

Lot size

2

Garage

1987

Year built

Two

Levels

$207

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · L Dining · Primary Bedroom Main Floor · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouthwest
ParkingDriveway · Garage Door Opener
ExteriorPrivate Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$42/mo
Taxes (2025)$6,041/yr
PetsYes
CommunityDeed Restrictions · Park · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fire Hydrant · Propane · Sewer Connected · 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.

$3,554 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$503
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-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% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,554/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$503
HOA / condo fee$42
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 $450K
$387KedgeAI estimate $447,404 · range $403K–$492K$512K

vs edgeAI estimate

+0.6%

$/sqft vs Brandon actives

$207 vs $209

Days on market

32 vs 63 typical

Where $207/sqft sits among the 279 Brandon actives

43
54
69 · this home
46
37
30
$141–167$167–193$193–219$219–245$245–271$271+

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 Providence, 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
CommunityProvidence
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

$2,099/mo median

MarketBrandon
Annual gross at median$25,188
Gross yield on this price5.6%
Homes for rent right now83

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

Where it sits

Inside Providence Lakes

Drive times from this address

Downtown Tampa≈ 17 min
Tampa Int’l Airport (TPA)≈ 30 min
Walt Disney World≈ 73 min

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

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

Providence Lakes — neighborhood snapshot

Population

4,975

Median age

45

Median income

$79,424

Median home value

$307,471

Avg household

2

Households w/ children

604

For the school run

Hillsborough County School District

ElementaryMintz Elementary School★★★★★
HighBrandon High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Brandon market

Seller’s marketLeans seller — 3.6 months of inventoryBuyer’s market

$375K → $365K

Brandon median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

161 of 279

Brandon actives have cut their price

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

This home is listed 25% above the BRANDON 33511 median. See the full Brandon market guide →

Paper trail

This home's history

CurrentPrice reduced to $450,000 ▼ $15K
Sep 10, 2026Listed at $465,000 · 32 days on market since
1987Built · WATERMILL AT PROVIDENCE LAKES

Reality check

What actually sold near 1418 SHELL FLOWER DRIVE

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

1906 WHITE CEDAR WAYSold · Jan ’26

$375,000

1906 WHITE CEDAR WAY · same community

3 bd · 2.5 ba · 2,057 sqft · $182/sqft · 184 DOM

1901 WHITE CEDAR WAYSold · Oct ’25

$375,000

1901 WHITE CEDAR WAY · same community

4 bd · 2 ba · 2,015 sqft · $186/sqft · 62 DOM

1425 SHELL FLOWER DRIVESold · Oct ’25

$385,000

1425 SHELL FLOWER DRIVE · same community

4 bd · 2 ba · 1,985 sqft · $194/sqft · 8 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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1418 SHELL FLOWER 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 1418 SHELL FLOWER DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1418 SHELL FLOWER DRIVE FAQs

What would the monthly payment be for 1418 SHELL FLOWER DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,554/mo — principal and interest, the actual property-tax bill, the $42/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 1418 SHELL FLOWER DRIVE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1418 SHELL FLOWER DRIVE?+

The most recent tax bill on record (2025) was $6,041. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 1418 SHELL FLOWER DRIVE be rented short-term?+

Yes — this home sits inside Providence, 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 1418 SHELL FLOWER 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 Brandon?+

At $450,000, this home is listed about 20% above the Brandon median of $373,950. The market section on this page shows how the area is trending.

Which schools are assigned to 1418 SHELL FLOWER DRIVE?+

Mintz Elementary School (elementary), Brandon 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

$450,000 runs 25% above the BRANDON 33511 median — but at 2,169 sqft it's also 27% larger than the typical Brandon listing.

02Zoned for nightly rentals

Providence is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

04The price has already moved

Listed at $465,000, now $450,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Daniel Henzler. MLS #TB8546272.

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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