
3106 PINE TOP DRIVE, VALRICO, FL, 33594
Active3 days on marketListed Oct 9, 2026MLS #TB8556706
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
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.
$176 /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
$176/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 Valrico actives
$2 vs $212
Days on market
3 vs 53 typical
Where $2/sqft sits among the 204 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.
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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,275/mo median
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
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
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 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
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.
Sold · May ’26$295,000
3014 SUMMER HOUSE DRIVE · same community
3 bd · 2 ba · 1,293 sqft · $228/sqft · 44 DOM
Sold · Jan ’26$324,900
3201 PINE TOP DRIVE · same community
4 bd · 2 ba · 1,467 sqft · $221/sqft · 197 DOM
Sold · 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.

Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3106 PINE TOP DRIVE — start here.

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.
Keep looking
Similar homes nearby
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.
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