513 GARRARD DRIVE, TEMPLE TERRACE, FL, 33617
Active22 days on marketListed Sep 21, 2026MLS #TB8548842
About this home
513 GARRARD DRIVE
Custom 4 bedroom 3 bath plus an office – perfect “mother in law” suite is 4th bedroom with separate entry – pool home located on .39 acre cul de sac lot. Very open floor plan – perfect for entertaining. Kitchen updated with GAS THERMADOR 6 burner range, 36” stainless steel sink, LG refrigerator, microwave, wine fridge & quartz countertops. Principal bedroom features en suite with 2 custom closets - shower & soaking tub. Main bath has tub shower. Spacious 30x58 screened patio with party-sized pool & additional closet storage. Very well designed laundry room. You will admire the professional landscaping in the front & attractive backyard lawn & plantings. High-efficiency tankless gas water heater, hardwood & tile flooring, all LED lighting, “Closets by Design” systems in the bedrooms, 2 propane tanks, double car garage with 2 extra closets as well as keyless entry. The pool pump was replaced in 11/2025; A/C units 2014 & 2018. No HOA. Room dimensions are approximate. Home is convenient to the University of South Florida, I75, I4, Temple Terrace Family Recreation Center, TT Golf & Country Club, downtown & many medical & professional businesses.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,248
Sqft
0.39 ac
Lot size
2
Garage
1979
Year built
One
Levels
$237
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.
$4,984 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,984/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
vs edgeAI estimate
+8.2%
$/sqft vs Temple Terrace actives
$237 vs $200
Days on market
22 vs 53 typical
Where $237/sqft sits among the 79 Temple Terrace 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 Temple Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Temple Terrace. See the full Temple Terrace guide →
TEMPLE TERRACE 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 Temple Terrace market
$315K → $450K
Temple Terrace median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
44 of 79
Temple Terrace actives have cut their price
Median sold price, Temple Terrace, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 335% above the TEMPLE TERRACE 33617 median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 513 GARRARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$570,000
631 GILLETTE AVENUE · same community
4 bd · 2.5 ba · 2,367 sqft · $241/sqft · 48 DOM
Sold · Aug ’26$810,000
315 S GLEN ARVEN AVENUE
5 bd · 3.5 ba · 3,299 sqft · $246/sqft · 72 DOM
Sold · Oct ’25$560,000
223 S RIVERHILLS DRIVE
5 bd · 2.5 ba · 3,058 sqft · $183/sqft · 299 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 513 GARRARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 513 GARRARD DRIVE — 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
513 GARRARD DRIVE FAQs
What would the monthly payment be for 513 GARRARD DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,984/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 513 GARRARD DRIVE?+
The most recent tax bill on record (2025) was $4,569. 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 Temple Terrace?+
At $770,000, this home is listed about 127% above the Temple Terrace median of $339,950. The market section on this page shows how the area is trending.
Which schools are assigned to 513 GARRARD DRIVE?+
Pizzo K-8 School (elementary), Greco Middle Magnet School (middle), 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Gloria Kares. MLS #TB8548842.
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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