3003 SUMMER CRUISE DRIVE, VALRICO, FL, 33594
Active2 days on marketListed Sep 18, 2026MLS #TB8549583
About this home
3003 SUMMER CRUISE DRIVE
Step through the front door to a bright living room flowing into a formal dining room, elegantly separated by architectural arched accents. The heart of the home is the kitchen, featuring a gas stove, island bar, and a cozy separate breakfast nook—ideal for casual mornings. The spacious great room/family room leads to a roomy downstairs master suite with private access to the brick-paved patio, overlooking your very own screened-in newly installed 2021 pool — perfect for relaxing or entertaining year-round. The spa-like master bath includes double sinks, a soaking tub, and a separate walk-in shower. Upstairs, a versatile 9x11 loft makes a great computer nook or reading area. All secondary bedrooms are generously sized with high windows for flexible furniture placement; the front bedroom boasts a charming 24" deep window seat, and one bedroom includes a walk-in closet. Efficiency meets comfort with gas stove, gas water heater, gas heat, and a gas dryer hookup option—keeping utility bills refreshingly low. A dedicated utility room offers additional storage space. With the Roof replaced in 2022, fencing installed 2021, Water Heater replaced in 2020, and your worries have all been taken care of so you can sit back and relax.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,262
Sqft
0.16 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$203
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.
$3,477 /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
$3,477/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
−4.3%
$/sqft vs Valrico actives
$203 vs $215
Days on market
2 vs 36 typical
Where $203/sqft sits among the 197 Valrico 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.
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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,299/mo median
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico 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.
This home is listed 10% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3003 SUMMER CRUISE 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$310,000
3110 SUMMER CRUISE DRIVE · same community
3 bd · 2 ba · 1,676 sqft · $185/sqft · 5 DOM
Sold · May ’26$305,000
3213 SUMMER CRUISE DRIVE · same community
3 bd · 2 ba · 1,501 sqft · $203/sqft · 70 DOM
Sold · Jul ’26$375,000
206 RONJA LANE
4 bd · 2 ba · 2,279 sqft · $165/sqft · 29 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3003 SUMMER CRUISE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3003 SUMMER CRUISE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3003 SUMMER CRUISE DRIVE FAQs
What would the monthly payment be for 3003 SUMMER CRUISE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,477/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 3003 SUMMER CRUISE 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 3003 SUMMER CRUISE DRIVE?+
The most recent tax bill on record (2025) was $4,235. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3003 SUMMER CRUISE 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 3003 SUMMER CRUISE 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 $460,000, this home is listed about 3% below the Valrico median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3003 SUMMER CRUISE 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.
The brief
Four things that matter here
01Positioned at the premium end
$460,000 runs 10% above the VALRICO 33594 median.
02Zoned for nightly rentals
Somerset 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.
04Fresh on the market
Only 2 days on market in a Valrico market that averages 36 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LINK REALTY, INC. · Danielle Decarbo. MLS #TB8549583.
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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