CENTURY 21 Edge
$550,0004 bd2.5 ba2,414 sqft$228 /sqft$4,051 /mo all-in ↓

13105 PAYTON STREET, ODESSA, FL, 33556

Active1 days on marketListed Aug 13, 2026MLS #W7888491

Priced 19% below the ODESSA 33556 medianSingle Family ResidenceSTARKEY RANCH VILLAGE 2 PH 1B-1

Come see it

Upcoming open house

Sat, Aug 15

12:00 PM – 2:00 PM

About this home

13105 PAYTON STREET

Discover an exceptional home for sale in the award-winning, sought-after Starkey Ranch, Odessa, Florida, where modern style, thoughtful design, and an amenity-rich community come together at 13105 Payton Street. Located in Homestead Park, this Homes by WestBay Sabal model offers 2,414 square feet, 4 bedrooms, 2.5 baths, a spacious loft, and a 2-car garage. Walking distance to the neighborhood pool, pavilion, playground, and very close to all the shopping, school, and more! The light-filled interior has been beautifully updated with wide-plank luxury vinyl flooring, a fresh neutral palette, high ceilings, and abundant recessed lighting. All-new Sherwin-Williams interior and exterior paint. At the heart of the home, the open concept kitchen and great room create an inviting space for everyday living and entertaining. The kitchen features crisp white cabinetry, stone countertops, stainless steel appliances, a large center island with seating, a walk-in pantry, and excellent storage. The owner has upgraded the island with white shaker panels, added a custom wood hood over the stove, and brass hardware and fixtures, with designer lighting completing the look. A dedicated dining area offers additional space for meals and gatherings, while large windows and sliding doors fill the main living area with natural light and connect the interior to the covered lanai and backyard. The half bath has been completely customized with a designer vanity, mirror, and lighting. A mud room at the entry to the garage provides convenience. Upstairs, the generous loft provides valuable flex space for a media room, home office, game room, or second living area. The oversized primary suite is a relaxing retreat with a large walk-in closet and a private bath featuring dual vanities, a gorgeous stone vanity area, custom lighting, and a spacious glass-enclosed shower. Three additional bedrooms and a full hall bath complete the sleeping spaces. The upstairs laundry room adds everyday convenience with a utility sink, pull-down folding ledge, cabinetry, and storage space, and the washer and dryer convey. Outside, enjoy a covered lanai overlooking a fully fenced backyard with room for outdoor dining, pets, play and entertaining. Additional highlights include a tile roof, hurricane shutters, zoned central air, natural gas, reclaimed irrigation, fiber-optic availability, and a Flood Zone X location. Smart switches and dimmers throughout the home, built-in surround sound speakers, LVP flooring with no carpet anywhere, smart thermostats, keyless entry, Wi-Fi-programmable irrigation, excellent maintenance, and a recently serviced AC. Living in Starkey Ranch means enjoying one of the most sought-after master-planned lifestyles in the Odessa area, with community pools, parks, playgrounds, dog parks, tennis courts, fishing and lakes, kayaking and canoeing opportunities, and approximately 20 miles of trails. Starkey Ranch K 8, the Starkey Ranch Theatre Library Cultural Center, and Starkey Ranch District Park are all part of the surrounding community, with Publix, shopping, dining, medical services, SR 54, and the Suncoast Parkway nearby. For buyers searching for a move-in-ready Starkey Ranch home in Odessa, Florida with 4 bedrooms, a loft, an open floor plan, modern finishes, a fenced backyard and exceptional community amenities, 13105 Payton Street is a home that deserves to be seen.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,414

Sqft

0.13 ac

Lot size

2

Garage

2018

Year built

Two

Levels

$228

Per sqft

Garden viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Range · Range Hood · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofTile
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewGarden
FacesNorthwest
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$4,917/yr
PetsYes
CommunityFishing · Lake · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Park · Playground · Pool · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Fire Hydrant · Natural Gas Connected · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,051 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$410
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida 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% · $19,250
Interest rate6.00%
Loan term

Estimated payment

$4,051/mo

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$410
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $550K
$462KedgeAI estimate $522,655 · range $482K$570K$593K

vs edgeAI estimate

+5.2%

$/sqft vs Odessa actives

$228 vs $273

Days on market

1 vs 50 typical

Where $228/sqft sits among the 202 Odessa actives

87 · this home
64
16
9
13
13
$183–262$262–341$341–420$420–499$499–578$578+

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 Starkey Ranch

Map of 13105 PAYTON STREET inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)32 min
Downtown Tampa35 min

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

Get to know Odessa. See the full Odessa guide →

Starkey Ranch — neighborhood snapshot

Population

5,445

Median age

40

Median income

$127,978

Median home value

$488,100

Avg household

3

Households w/ children

764

For the school run

Pasco County School District

ElementaryLongleaf Elementary School★★★★★
HighJames W. Mitchell High School★★★★
MiddleSeven Springs Middle School★★★★

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

The numbers that matter

The Odessa market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$725K$675K

Odessa median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

119 of 202

Odessa actives have cut their price

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

This home is listed 19% below the ODESSA 33556 median. See the full Odessa market guide →

Paper trail

This home's history

Aug 13, 2026Listed at $550,000 · 1 days on market since
2018Built · STARKEY RANCH VILLAGE 2 PH 1B-1

Reality check

What actually sold near 13105 PAYTON STREET

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

12969 BURNS DRIVESold · Jun ’26

$475,000

12969 BURNS DRIVE · same community

4 bd · 2.5 ba · 2,414 sqft · $197/sqft · 246 DOM

13118 PAYTON STREETSold · Aug ’25

$725,000

13118 PAYTON STREET · same community

4 bd · 2.5 ba · 2,720 sqft · $267/sqft · 23 DOM

12990 BURNS DRIVESold · Nov ’25

$598,500

12990 BURNS DRIVE · same community

4 bd · 2.5 ba · 2,799 sqft · $214/sqft · 94 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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 13105 PAYTON STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13105 PAYTON STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

13105 PAYTON STREET FAQs

What would the monthly payment be for 13105 PAYTON STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,051/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 13105 PAYTON STREET?+

The most recent tax bill on record (2025) was $4,917. 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 13105 PAYTON STREET?+

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 Odessa?+

At $550,000, this home is listed about 24% below the Odessa median of $719,000. The market section on this page shows how the area is trending.

Which schools are assigned to 13105 PAYTON STREET?+

Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the ODESSA 33556 market on paper

$550,000 is 19% below the ODESSA 33556 median of $677,990, and at $228/sqft it sits under the Odessa average of $354.

02Garden views

The garden view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 1 day on market in a Odessa market that averages 50 — if it fits, move quickly.

04Strong assigned schools

Longleaf Elementary School, James W. Mitchell High School, Seven Springs Middle School — James W. Mitchell High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of ROCKS REALTY · Annie Rocks, PA. MLS #W7888491.

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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