2531 RIDGETOP WAY, VALRICO, FL, 33594
Active19 days on marketListed Sep 23, 2026MLS #TB8551500
About this home
2531 RIDGETOP WAY
Welcome home to this beautifully maintained 3-bedroom, 2-bathroom residence offering the perfect combination of comfort, privacy, and convenience with NO HOA or CDD fees! Featuring luxury vinyl plank and tile flooring throughout, there's no carpet, making the home both stylish and easy to maintain. Step inside to an inviting open-concept floor plan enhanced by recessed lighting, ceiling fans, and abundant natural light. The spacious kitchen is designed for both everyday living and entertaining, showcasing 42-inch cabinetry, a decorative tile backsplash, side-by-side refrigerator, microwave hood, dishwasher, generous counter space, and plenty of storage. The private primary suite offers a relaxing retreat with its own ensuite bathroom, while the split-bedroom layout provides comfort and privacy for family or guests. The HVAC system was replaced just three years ago, offering added peace of mind. Open the sliding glass doors and unwind on the covered and screened lanai, overlooking a spacious, fully fenced backyard with mature shade trees and no neighbors on one side for added privacy. The oversized yard offers plenty of room to add a pool, outdoor kitchen, or create your own backyard oasis. Conveniently located near major commuter routes, shopping, restaurants, hospitals, libraries, and schools, this home combines everyday convenience with exceptional value. If you're looking for a move-in-ready home with modern updates, a large private yard, and no extra HOA or CDD fees, this is one you won't want to miss! Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,259
Sqft
0.29 ac
Lot size
2
Garage
1981
Year built
One
Levels
$278
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.
$2,770 /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
$2,770/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
+27.1%
$/sqft vs Valrico actives
$278 vs $211
Days on market
19 vs 53 typical
Where $278/sqft sits among the 202 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.
Where it sits
Inside Ridgeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Ridgeland — neighborhood snapshot
Population
998
Median age
44
Median income
$121,563
Median home value
$407,600
Avg household
3
Households w/ children
131
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 → $433K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
125 of 202
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 2531 RIDGETOP WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$320,000
909 SILVER RIDGE WAY · same community
3 bd · 2 ba · 1,457 sqft · $220/sqft · 44 DOM
Sold · Aug ’26$345,725
2527 RIDGETOP WAY · same community
3 bd · 2 ba · 1,788 sqft · $193/sqft · 191 DOM
Sold · Jun ’26$360,000
2618 RIDGETOP WAY · same community
4 bd · 2 ba · 1,853 sqft · $194/sqft · 3 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2531 RIDGETOP WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2531 RIDGETOP WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2531 RIDGETOP WAY FAQs
What would the monthly payment be for 2531 RIDGETOP WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,770/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 2531 RIDGETOP WAY?+
The most recent tax bill on record (2025) was $4,735. 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 Valrico?+
At $350,000, this home is listed about 20% below the Valrico median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2531 RIDGETOP WAY?+
Valrico Elementary School (elementary), Mulrennan Middle School (middle), 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.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Gene Batronie. MLS #TB8551500.
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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