3428 CHAPEL CREEK CIRCLE, WESLEY CHAPEL, FL, 33544
Active4 days on marketListed Oct 8, 2026MLS #TB8553793
About this home
3428 CHAPEL CREEK CIRCLE
MAINTENANCE-FREE LIVING IN THE HEART OF SEVEN OAKS! Welcome to this beautifully maintained ONE-OWNER VILLA located in the exclusive GATED enclave of WILLOW CREEK, one of the most desirable neighborhoods within Seven Oaks. Enjoy a carefree lifestyle with an HOA that includes ROOF REPLACEMENT, EXTERIOR PAINTING, and LAWN MAINTENANCE, freeing you from costly exterior upkeep and giving you more time to enjoy the exceptional amenities and convenient location that make this community so sought after. This lovingly maintained 3-BEDROOM, 2-BATHROOM villa with a 2-CAR GARAGE features a highly desirable great room floor plan designed for comfortable everyday living and effortless entertaining. Elegant CROWN MOLDING enhances the great room, dining room, dinette, and kitchen, while rich real WOOD FLOORING adds warmth and character to the great room and dining room. The open layout creates an inviting atmosphere filled with natural light and provides the perfect setting for gathering with family and friends. One of the home's most appealing features is its PEACEFUL CONSERVATION SETTING. The oversized EXTENDED LANAI offers a private outdoor retreat where you can relax, entertain, or simply enjoy Florida's beautiful weather. Backing to CONSERVATION, the property enjoys enhanced privacy and a tranquil natural backdrop with no direct rear neighbors. From the CORNER OF LANAI, you'll also enjoy a picturesque POND VIEW, adding another touch of serenity to this already peaceful setting. The combination of conservation and water views creates a calming environment where you can unwind while enjoying the sights and sounds of nature. The impressive 12' x 24' PRIMARY SUITE provides exceptional flexibility, offering plenty of room for a sitting area, home office, reading nook, exercise space, or whatever best suits your lifestyle. The ENSUITE BATH bath features a relaxing garden tub, separate shower, dual-sink vanity, and ample space for daily convenience and comfort. The additional bedrooms are comfortably sized and ideal for family, guests, or hobbies. The home has been thoughtfully equipped with CEILING FANS IN ALL BEDROOMS, the KITCHEN, and the LANAI, and all kitchen appliances, along with the washer and dryer, are included, making this home truly move-in ready. The location simply cannot be beat. Residents enjoy quick access to major roadways, making COMMUTING EASY while placing SHOPPING, DINING, ENTERTAINMENT, and everyday conveniences just minutes away. The Shops at Wiregrass, Tampa Premium Outlets, and an ABUNDANCE of popular RESTAURANTS are all nearby. Willow Creek residents enjoy their OWN PRIVATE COMMUNITY POOL while also having access to the outstanding RESORT-STYLE amenities that have made Seven Oaks one of Wesley Chapel's premier communities. These amenities include MULTIPLE POOLS with a Waterslide, Swim LANES, Splash Centers, Tennis Courts, Pickleball Courts, Basketball Courts, a state-of-the-art Fitness Center, Clubhouse, Playgrounds, and more. This exceptional VILLA offers the perfect combination of MAINTENANCE FREE LIVING, privacy, BEAUTIFUL NATURAL SURROUNDINGS, spacious living areas, and WORLD-CLASS AMENITIES in one of Wesley Chapel's most sought-after communities. Don't miss this opportunity to enjoy the Florida lifestyle you've been dreaming of in the heart of Seven Oaks.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,760
Sqft
0.12 ac
Lot size
2
Garage
2005
Year built
One
Levels
$196
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.
$2,955 /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
$2,955/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
−10.7%
$/sqft vs Wesley Chapel actives
$196 vs $204
Days on market
4 vs 77 typical
Where $196/sqft sits among the 400 Wesley Chapel 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 Seven Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
Seven Oaks — neighborhood snapshot
Population
7,676
Median age
32
Median income
$109,436
Median home value
$511,135
Avg household
3
Households w/ children
1,139
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wesley Chapel market
$440K → $433K
Wesley Chapel median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
270 of 400
Wesley Chapel actives have cut their price
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the WESLEY CHAPEL 33544 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
Reality check
What actually sold near 3428 CHAPEL CREEK CIRCLE
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$385,000
3502 CHAPEL CREEK CIRCLE · same community
3 bd · 2 ba · 1,760 sqft · $219/sqft · 69 DOM
Sold · Apr ’26$360,880
3252 CHAPEL CREEK CIRCLE · same community
3 bd · 2 ba · 1,790 sqft · $202/sqft · 13 DOM
Sold · Jul ’26$377,000
3244 CHAPEL CREEK CIRCLE · same community
3 bd · 2 ba · 1,790 sqft · $211/sqft · 8 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 3428 CHAPEL CREEK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3428 CHAPEL CREEK CIRCLE — 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
3428 CHAPEL CREEK CIRCLE FAQs
What would the monthly payment be for 3428 CHAPEL CREEK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,955/mo — principal and interest, the actual property-tax bill, the $270/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 3428 CHAPEL CREEK CIRCLE?+
The association fee works out to $270 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3428 CHAPEL CREEK CIRCLE?+
The most recent tax bill on record (2025) was $4,096. 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 3428 CHAPEL CREEK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 Wesley Chapel?+
At $345,000, this home is listed about 21% below the Wesley Chapel median of $437,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3428 CHAPEL CREEK CIRCLE?+
Seven Oaks Elementary School (elementary), Wiregrass Ranch High School (high), Dr. John Long Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Fresh on the market
Only 4 days on market in a Wesley Chapel market that averages 77 — if it fits, move quickly.
03Strong assigned schools
Seven Oaks Elementary School, Wiregrass Ranch High School, Dr. John Long Middle School — Seven Oaks Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Cynthia Filippi. MLS #TB8553793.
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.
Never miss a listing
New Wesley Chapel homes, in your inbox
Like 3428 CHAPEL CREEK CIRCLE but not quite? A daily digest of every new listing in Wesley Chapel — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →