12921 SHADY FERN LANE, GIBSONTON, FL, 33534
Active4 days on marketListed Oct 8, 2026MLS #TB8556185
About this home
12921 SHADY FERN LANE
3 Bed/2.5 Bath Townhome in Gibsonton with 1478 sqft. of living space Welcome home to the gated community of Copper Creek. Enjoy some fun in the sun at the community pool and playground. Attached Garage to keep your car cool and clean. Open floor plan perfect for modern living. Downstairs half bath is so convenient. The spacious kitchen boasts espresso cabinets, lots of counter space, and breakfast bar with room for seating. Sleek kitchen appliances include glass-top range, side-by-side refrigerator, built-in microwave, and dishwasher. Pantry and linen closet to store and organize your essentials. Primary bedroom features a walk-in closet and full bath for privacy. The En suite enjoys dual sinks and step-in shower. Efficient central AC and heat will keep you comfy year round. Washer and dryer INCLUDED and located on 2nd floor for your convenience. Window blinds allow just the right amount of light. Covered patio is the perfect spot for relaxing and enjoying the Florida weather. Convenient to I-75, US Hwy 301, US Hwy 41 and shopping, with groceries, retail, and restaurants near by. HOA rules apply, HOA approval may be required. Owner pays monthly dues. Grounds care is handled by the HOA. Utilities are separate and tenant responsibility. SHOWINGS: available 7 days a week and evenings! Please read below or visit or website for move in costs & rental requirements.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,478
Sqft
0.05 ac
Lot size
1
Garage
2018
Year built
Two
Levels
$1
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.
$174 /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
$174/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 Gibsonton actives
$1 vs $175
Days on market
4 vs 49 typical
Where $1/sqft sits among the 58 Gibsonton 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 Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $312K
Gibsonton median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
28 of 58
Gibsonton actives have cut their price
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 12921 SHADY FERN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$220,000
9974 HOUND CHASE DRIVE · same community
3 bd · 2.5 ba · 1,478 sqft · $149/sqft · 48 DOM
Sold · Oct ’25$327,000
7020 MONARCH PARK DRIVE
4 bd · 2 ba · 1,485 sqft · $220/sqft · 11 DOM
Sold · Jun ’26$250,000
6929 SURREY HILL PLACE
3 bd · 2 ba · 1,487 sqft · $168/sqft · 64 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12921 SHADY FERN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12921 SHADY FERN LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12921 SHADY FERN LANE FAQs
What would the monthly payment be for 12921 SHADY FERN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/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 12921 SHADY FERN LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Monthly Pet Fee, 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 Gibsonton?+
At $1,905, this home is listed about 99% below the Gibsonton median of $314,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12921 SHADY FERN LANE?+
Corr Elementary School (elementary), East Bay 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 SENSIBLE PROPERTY MANAGMENT · David Lowrey. MLS #TB8556185.
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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