3023 RIDERS PASS, ODESSA, FL, 33556
Active2 days on marketListed Sep 18, 2026MLS #TB8549915
About this home
3023 RIDERS PASS
Virtually Staged. Welcome to Starkey Ranch! This beautifully maintained 4 bedroom, 3 bath home offers a dedicated office, upstairs loft, and 2 car garage, with a bright, open floor plan and stylish modern finishes throughout. The main level features wood-look porcelain tile, spacious living and dining areas, and a well-appointed kitchen with 42” cabinetry, a large island with breakfast bar, sleek countertops, and stainless-steel appliances. A guest bedroom and full bath are conveniently located downstairs, along with a private office featuring French doors. Upstairs, you’ll find a versatile loft, two additional bedrooms, and a spacious primary suite with an oversized walk-in closet. The primary bathroom offers dual vanities and a glass-enclosed shower. Step outside to the covered lanai, an inviting space to relax and enjoy the Florida lifestyle. The home is ideally located within a short walk to Whitfield Park, featuring a resort-style pool, dog park, fire pit, and open green space. Starkey Ranch also offers miles of scenic trails, parks, and recreational amenities. Enjoy easy access to shopping, dining, medical facilities, and the Veterans Expressway. Rent includes lawn care, pest control, and trash service, making this home comfortable and convenient from day one.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,502
Sqft
0.12 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$188 /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
$188/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Odessa actives
$2 vs $279
Days on market
2 vs 51 typical
Where $2/sqft sits among the 190 Odessa 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 Starkey Ranch
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Odessa. See the full Odessa guide →
Starkey Ranch — neighborhood snapshot
Population
5,445
Median age
40
Median income
$127,978
Median home value
$488,100
Avg household
3
Households w/ children
764
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Odessa market
$725K → $775K
Odessa median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
107 of 190
Odessa actives have cut their price
Median sold price, Odessa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ODESSA 33556 median. See the full Odessa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3023 RIDERS PASS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$575,000
2974 CHAPIN PASS · same community
3 bd · 2.5 ba · 2,446 sqft · $235/sqft · 57 DOM
Sold · Jun ’26$635,000
12308 RANGELAND BOULEVARD · same community
3 bd · 3 ba · 2,620 sqft · $242/sqft · 48 DOM
Sold · Jun ’26$679,000
3170 HEART PINE AVENUE · same community
4 bd · 3 ba · 2,767 sqft · $245/sqft · 1 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3023 RIDERS PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3023 RIDERS PASS — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3023 RIDERS PASS FAQs
What would the monthly payment be for 3023 RIDERS PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $188/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3023 RIDERS PASS?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Pet Deposit, Size Limit. 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 Odessa?+
At $3,900, this home is listed about 99% below the Odessa median of $705,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3023 RIDERS PASS?+
Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ODESSA 33556 market on paper
$3,900 is 99% below the ODESSA 33556 median of $677,500, and at $2/sqft it sits under the Odessa average of $353.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a Odessa market that averages 51 — if it fits, move quickly.
04Strong assigned schools
Longleaf Elementary School, James W. Mitchell High School, Seven Springs Middle School — James W. Mitchell High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Raimonda Misiunas. MLS #TB8549915.
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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