5104 WHISPERING LEAF TRAIL, VALRICO, FL, 33596
Active4 days on marketListed Oct 8, 2026MLS #TB8555813
About this home
5104 WHISPERING LEAF TRAIL
Welcome to this beautiful pool home nestled in the highly desirable Twin Lakes community, where picturesque lakes, majestic oak trees, and a 15-acre community park create a peaceful setting in the heart of Valrico. Surrounded by the natural beauty of Lake Michaela and Lake Stearns, Twin Lakes offers an established neighborhood feel with plenty to enjoy right outside your door. Set on an oversized lot just under half an acre, this 4-bedroom, 2.5-bath home offers a spacious two-story layout, flexible living spaces, and a private backyard with a sparkling pool! Several important updates have already been completed, including a roof replaced in 2023, A/C in 2020, gas water heater in 2021, kitchen appliances in 2020, primary bathroom remodel in 2026, and pool filter cartridge replaced in 2026. Step inside to a bright and welcoming floor plan with formal living and dining spaces at the front of the home, providing plenty of room for entertaining or everyday flexibility. The updated kitchen features Silestone quartz countertops, updated cabinetry, ample prep and storage space, and a functional layout that opens to the family room. A fireplace anchors the family room, creating an inviting gathering space with views of the backyard. Adding even more versatility is a spacious bonus room that can easily serve as a home office, media room, game room, gym, or additional living area. Upstairs, the primary suite offers plenty of room for a sitting area along with a private en-suite bathroom remodeled in 2026. The additional bedrooms provide comfortable space for family, guests, or a home office, while the flexible fourth-bedroom/loft space allows the layout to adapt to your needs. Outside, enjoy your own private Florida retreat with a sparkling pool and an expansive backyard. With just under half an acre, there is plenty of room to entertain, enjoy the outdoors, garden, or simply relax poolside. Twin Lakes offers a wonderful Valrico location convenient to shopping, dining, recreation, and major roadways. With its oversized homesite, pool, flexible floor plan, and valuable updates already completed, this home brings together space, functionality, and the established community setting that makes Twin Lakes such a special place to call home!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,880
Sqft
0.48 ac
Lot size
2002
Year built
Two
Levels
$208
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.
$4,148 /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
$4,148/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
−1%
$/sqft vs Valrico actives
$208 vs $211
Days on market
4 vs 53 typical
Where $208/sqft sits among the 203 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 Twin Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Twin Lakes — neighborhood snapshot
Population
1,260
Median age
47
Median income
$143,621
Median home value
$466,300
Avg household
3
Households w/ children
149
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 203
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% above the VALRICO 33596 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 5104 WHISPERING LEAF TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$485,000
5123 WHISPERING LEAF TRAIL · same community
4 bd · 3 ba · 2,609 sqft · $186/sqft · 44 DOM
Sold · Mar ’26$680,000
5132 WHISPERING LEAF TRAIL · same community
4 bd · 3 ba · 3,240 sqft · $210/sqft · 81 DOM
Sold · Dec ’25$425,000
2911 HICKORY GROVE DRIVE · same community
3 bd · 2 ba · 2,146 sqft · $198/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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5104 WHISPERING LEAF TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5104 WHISPERING LEAF TRAIL — 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
5104 WHISPERING LEAF TRAIL FAQs
What would the monthly payment be for 5104 WHISPERING LEAF TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,148/mo — principal and interest, the actual property-tax bill, the $100/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 5104 WHISPERING LEAF TRAIL?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5104 WHISPERING LEAF TRAIL?+
The most recent tax bill on record (2025) was $5,101. 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 5104 WHISPERING LEAF TRAIL?+
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 $600,000, this home is listed about 36% above the Valrico median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5104 WHISPERING LEAF TRAIL?+
Lithia Springs Elementary School (elementary), Newsome High School (high), Randall Middle School (middle), 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
$600,000 runs 36% above the VALRICO 33596 median — but at 2,880 sqft it's also 36% larger than the typical Valrico listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a Valrico market that averages 53 — if it fits, move quickly.
04Strong assigned schools
Lithia Springs Elementary School, Newsome High School, Randall Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Lithia Springs Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Brenda Wade. MLS #TB8555813.
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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