CENTURY 21 Edge
✦ Short-Term Rental Eligible
$2,1503 bd2 ba1,290 sqft$2 /sqft≈$176 /mo all-in ↓

3106 PINE TOP DRIVE, VALRICO, FL, 33594

Active3 days on marketListed Oct 9, 2026MLS #TB8556706

✦ Priced 99% below the VALRICO 33594 medianSingle Family ResidenceSOMERSET TR D

About this home

3106 PINE TOP DRIVE

Virtually Staged. VALRICO: Freshly Painted and New Kitchen appliances. Welcome to this beautiful 3-bedroom, 2-bathroom home with a 2-car garage, offering 1,290 square feet of comfortable living space in the highly desirable Somerset community just north of Brandon Blvd. in Valrico. Enter a spacious living and dining room combo accented with elegant laminate flooring, perfect for entertaining or relaxing. The kitchen has been upgraded with new appliances that include a refrigerator, stove, microwave, and dishwasher. New countertops and refaced cabinets. Featuring a pantry and a cozy eat-in area. A dedicated laundry space with washer/dryer hookups is conveniently located off the kitchen. The split-bedroom floor plan ensures privacy, with the generous primary suite featuring a large walk-in closet and an ensuite bath with a garden tub/shower combo. The additional bedrooms are comfortably sized, with carpeted floors, while the kitchen and bathrooms feature durable ceramic tile. Refrigerator in the garage will not be repaired or replaced. Gas heating and gas water heater. Access to community amenities, including a playground, tennis court, and community pool. Don't miss the opportunity to own this well-maintained home in a friendly neighborhood with easy access to shopping, dining, and major highways. Tenants will pay an HOA application fee of $75 per adult and must have HOA approval before moving in. All residents are enrolled in the Resident Benefits Package which is an additional $60/month, payable with rent and includes renters insurance, utility concierge service, HVAC air filter delivered monthly (for applicable properties), our best-in-class resident rewards program, online maintenance portal, online rent payment portal, one late-fee waiver and much more! If you decide to apply for one of our properties, there is a $99 per adult application fee that is non-refundable. Also, a $250 Lease Coordination Fee once the Application is approved. Anyone aged 18 or above residing at the property must apply. We will (1) check your credit report; (2) check for recent evictions; (3) verify your employment, if applicable; (4) personal income, assets, or assistance must be sufficient and verifiable; (5) verify your previous landlord references; and (6) perform criminal background screening; (7) be aware that some associations also have application fees. We encourage you not to apply if you have bad credit references or a poor rental history.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,290

Sqft

0.1 ac

Lot size

2

Garage

2003

Year built

One

Levels

$2

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile · Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Solid Surface Counters · Solid Wood Cabinets · Thermostat
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

Community & fees

PetsBreed Restrictions, Monthly Pet Fee, Number Limit, Size Limit, Yes

Utilities & systems

WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$176 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $75Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $75
Interest rate6.00%
Loan term

Estimated payment

$176/mo

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

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 Valrico actives

$2 vs $212

Days on market

3 vs 53 typical

Where $2/sqft sits among the 204 Valrico actives

0 · this home
0
8
43
95
58
$2–48$48–94$94–140$140–186$186–232$232+

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.

The investor lens

Two ways this home pays

This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunitySomerset
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,275/mo median

MarketValrico
Annual gross at median$27,300
Gross yield on this price1269.8%
Homes for rent right now46

Live Valrico rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Somerset

Drive times from this address

Downtown Tampa≈ 22 min
Tampa Int’l Airport (TPA)≈ 35 min
Walt Disney World≈ 68 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Somerset is a short-term-rental community. See the full guide →

Somerset — neighborhood snapshot

Population

1,623

Median age

40

Median income

$96,090

Median home value

$380,252

Avg household

3

Households w/ children

216

For the school run

Hillsborough County School District

MiddleMulrennan Middle School★★★★★
ElementaryNelson Elementary School★★★★★
HighDurant High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Valrico market

Seller’s marketSeller’s market — 2.8 months of inventoryBuyer’s market

$450K → $433K

Valrico median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

125 of 204

Valrico actives have cut their price

Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the VALRICO 33594 median. See the full Valrico market guide →

Paper trail

This home's history

Oct 9, 2026Listed at $2,150 · 3 days on market since
2003Built · SOMERSET TR D

Reality check

What actually sold near 3106 PINE TOP DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3014 SUMMER HOUSE DRIVESold · May ’26

$295,000

3014 SUMMER HOUSE DRIVE · same community

3 bd · 2 ba · 1,293 sqft · $228/sqft · 44 DOM

3201 PINE TOP DRIVESold · Jan ’26

$324,900

3201 PINE TOP DRIVE · same community

4 bd · 2 ba · 1,467 sqft · $221/sqft · 197 DOM

3116 SUMMER HOUSE DRIVESold · Feb ’26

$351,000

3116 SUMMER HOUSE DRIVE · same community

4 bd · 2 ba · 1,507 sqft · $233/sqft · 82 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.

Elizabeth Elliott

Your agent

Elizabeth Elliott

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3106 PINE TOP DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3106 PINE TOP DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3106 PINE TOP DRIVE FAQs

What would the monthly payment be for 3106 PINE TOP DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/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.

Can 3106 PINE TOP DRIVE be rented short-term?+

Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 3106 PINE TOP DRIVE?+

The listing reports pets: Breed Restrictions, Monthly Pet Fee, Number Limit, Size Limit, 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 $2,150, this home is listed about 100% below the Valrico median of $439,900. The market section on this page shows how the area is trending.

Which schools are assigned to 3106 PINE TOP DRIVE?+

Mulrennan Middle School (middle), Nelson Elementary School (elementary), 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.

The brief

Three things that matter here

01Under the VALRICO 33594 market on paper

$2,150 is 99% below the VALRICO 33594 median of $396,500, and at $2/sqft it sits under the Valrico average of $216.

02Zoned for nightly rentals

Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Fresh on the market

Only 3 days on market in a Valrico market that averages 53 — if it fits, move quickly.

Listing courtesy of HOFFMAN REALTY, LLC · Andrew Dougill. MLS #TB8556706.

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 Valrico homes, in your inbox

Like 3106 PINE TOP DRIVE but not quite? A daily digest of every new listing in Valrico — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Elizabeth to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated October 11, 2026 at 4:51 AM UTC. The listing information on this page last changed on October 11, 2026 at 4:51 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 11, 2026 at 4:51 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 11, 2026 at 4:51 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

3106 PINE TOP DRIVE, VALRICO, FL — 3 Bed, 2 Bath — $2,150 | CENTURY 21 Edge