13028 TERRACE SPRINGS DRIVE, TEMPLE TERRACE, FL, 33637
Active21 days on marketListed Sep 22, 2026MLS #TB8549065
About this home
13028 TERRACE SPRINGS DRIVE
NOW AVAILABLE!!! Welcome to 13028 Terrace Springs Dr, a beautifully updated 4-bedroom, 2.5-bath home offering a spacious and functional layout, abundant natural light, and a highly desirable 3-car garage. The primary suite is conveniently located on the first floor, while upstairs you'll find generously sized secondary bedrooms, including an oversized bedroom with a large walk-in closet. Numerous recent improvements add to the home's move-in-ready appeal, including a new roof in 2024, HVAC replaced in 2023, and water heater replaced in 2019. In 2024, the kitchen was refreshed with redone cabinets, countertops, and sink, while the bathrooms received updated cabinets, countertops, and sinks. Additional improvements include new vinyl flooring, fresh interior paint, updated door hardware, and a new fence in 2024. Enjoy Florida living from the screened-in lanai overlooking the fully fenced backyard. Even better, this community offers a LOW HOA and NO CDD! Ideally located in the Temple Terrace area, directly across from Lettuce Lake Park and convenient to I-75, USF, shopping, dining, medical facilities, and more. A spacious, updated home with major improvements already completed and a location that's hard to beat!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,151
Sqft
0.12 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$221
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 and the real association fee — not generic estimates.
$3,550 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,550/mo
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.
vs edgeAI estimate
−2.6%
$/sqft vs Temple Terrace actives
$221 vs $201
Days on market
21 vs 53 typical
Where $221/sqft sits among the 78 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 33637 — neighborhood snapshot
Population
17,785
Median age
34.4
Median income
$60,526
Median home value
$213,800
Avg household
2.3
Households w/ children
1,827
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 78
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 71% above the TEMPLE TERRACE 33637 median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 13028 TERRACE SPRINGS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$340,000
7926 TERRACE RIDGE DRIVE · same community
3 bd · 2 ba · 1,705 sqft · $199/sqft · 7 DOM
Sold · Aug ’26$380,000
13002 TERRACE SPRINGS DRIVE · same community
3 bd · 2 ba · 1,654 sqft · $230/sqft · 7 DOM
Sold · Nov ’25$440,000
11501 CERCA DEL RIO PLACE
3 bd · 2 ba · 2,148 sqft · $205/sqft · 111 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 13028 TERRACE SPRINGS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13028 TERRACE SPRINGS 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
13028 TERRACE SPRINGS DRIVE FAQs
What would the monthly payment be for 13028 TERRACE SPRINGS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,550/mo — principal and interest, the actual property-tax bill, the $59/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 13028 TERRACE SPRINGS DRIVE?+
The association fee works out to $59 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13028 TERRACE SPRINGS DRIVE?+
The most recent tax bill on record (2025) was $3,899. 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 13028 TERRACE SPRINGS 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 Temple Terrace?+
At $475,000, this home is listed about 40% 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 13028 TERRACE SPRINGS DRIVE?+
Jennings Middle School (middle), Folsom Elementary School (elementary), 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 REALTY ONE GROUP ADVANTAGE · Kamal M Abdel Suarez, P.A.. MLS #TB8549065.
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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