531 GARRARD DRIVE, TEMPLE TERRACE, FL, 33617
Active12 days on marketListed Oct 1, 2026MLS #TB8553949
About this home
531 GARRARD DRIVE
CUSTOM RANCH HOME with OVERSIZED POOL! Stunning Great Room with vaulted ceilings, wood-burning fireplace, wood floors, LED lighting, and cedar accent wall. Gorgeous, updated kitchen with granite counters. Home features two double-size bedrooms and can easily convert back to five bedrooms. Expansive Master Suite includes a huge 15' x 9' spa-style bath with Jacuzzi tub, separate shower, dedicated water heater, massive walk-in closet, and private screened porch. Second bedroom offers two walk-in closets. Bonus room (9' x 7'). Inside laundry with new Whirlpool washer/dryer. Enjoy the oversized heated pool (32' x 15', 8' depth), paver porch, fenced backyard, and multiple front/rear/side porches. Newer hurricane windows, newer pool heater, Ring doorbell, sprinkler system, outdoor speakers. New Roof 2023. Stunning entryway with glass double-entry doors and travertine flooring. Rear of home features two sets of double-beveled French doors. Extra-long driveway + 2-car garage. NO HOA, NO CDD, NO FLOOD INSURANCE, No deed restrictions. Located in beautiful Frances Arbor, close to schools, restaurants, shopping, USF, major highways, and Family Recreation Complex.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,949
Sqft
0.3 ac
Lot size
2
Garage
1979
Year built
One
Levels
$202
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.
$4,068 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,068/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−13.5%
$/sqft vs Temple Terrace actives
$202 vs $200
Days on market
12 vs 53 typical
Where $202/sqft sits among the 79 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 33617 — neighborhood snapshot
Population
47,880
Median age
33.1
Median income
$48,651
Median home value
$267,200
Avg household
2.32
Households w/ children
5,060
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 79
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 232% above the TEMPLE TERRACE 33617 median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 531 GARRARD 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$570,000
631 GILLETTE AVENUE · same community
4 bd · 2.5 ba · 2,367 sqft · $241/sqft · 48 DOM
Sold · Mar ’26$495,000
7751 ROSEWOOD GARDEN LOOP
5 bd · 3 ba · 2,674 sqft · $185/sqft · 92 DOM
Sold · Jul ’26$500,000
9201 SAPPHIRE CREEK PLACE
5 bd · 3 ba · 2,605 sqft · $192/sqft · 59 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 531 GARRARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 531 GARRARD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
531 GARRARD DRIVE FAQs
What would the monthly payment be for 531 GARRARD DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,068/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 531 GARRARD DRIVE?+
The most recent tax bill on record (2025) was $5,690. 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 Temple Terrace?+
At $595,000, this home is listed about 75% 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 531 GARRARD DRIVE?+
Pizzo K-8 School (elementary), Greco Middle Magnet School (middle), 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 MAMMOTH REALTY, LLC · Brian Filsinger SR. MLS #TB8553949.
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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