10640 PONTOFINO CIRCLE, TRINITY, FL, 34655
Active9 days on marketListed Oct 4, 2026MLS #W7890084
Come see it
Upcoming open house
Sat, Oct 17
11:00 AM – 1:00 PM
Come & tour this beautiful Champions Club home! Call Denise 727.515.5875 for gate access.
About this home
10640 PONTOFINO CIRCLE
Welcome to your Florida dream home. This one-owner Constanza custom built home sits on a private half acre behind the coveted gates of Floresta in Champions Club. A long, curved driveway lined with sweeping oaks leads you to a home that lives large, with four bedrooms, three full baths, a half bath, a home office, a bonus room, and a spacious loft. Inside, the formal living and dining rooms flow across neutral tile floors with views of the private backyard. The chef's kitchen offers abundant cabinetry, gleaming granite counters, and custom stainless steel appliances. A sunny breakfast nook with backyard access is made for slow morning coffee. The inviting family room is anchored by a gas fireplace and warm wood flooring. The owner's suite is a true retreat, with a sitting area, his and hers closets, and a pampering en suite with dual vanities, a separate shower, and a garden tub. Just outside the suite, a home office makes working from home a pleasure, with a half bath nearby. A large guest suite with its own bath is ideal for in-laws or visitors, and a roomy laundry room completes the first floor. Upstairs, a sprawling loft, two generous bedrooms, and a third full bath offer space for everyone. Enjoy the large upstairs bonus room which makes the perfect space for entertaining. Set on one of the most private lots in the community, with no rear neighbor and plenty of room for a pool, this half acre is a rare find. Champions Club is one of Tampa Bay's premier gated communities, with a private clubhouse, resort-style pool and spa, fitness center, tennis, pickle ball, basketball courts, a full calendar of activities for all ages & located surrounding the Robert Trent Jones designed Fox Hollow Golf Course! The home is zoned for A-rated Trinity Elementary, Seven Springs Middle, and J.W. Mitchell High School, and is close to shopping, dining, medical facilities, and the Suncoast Parkway, with easy access to Gulf Coast beaches, Tampa International Airport, and St. Pete/Clearwater Airport. Start living the Florida dream today! Unbelievable CHAMPIONS CLUB Value!!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,021
Sqft
0.46 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$236
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.
$6,636 /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
$6,636/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
+42.2%
$/sqft vs Trinity actives
$236 vs $235
Days on market
9 vs 61 typical
Where $236/sqft sits among the 48 Trinity 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 The Champions Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Trinity. See the full Trinity guide →
The Champions Club — neighborhood snapshot
Population
1,261
Median age
67
Median income
$90,594
Median home value
$471,800
Avg household
2
Households w/ children
85%
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Trinity market
$467K → $504K
Trinity median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
28 of 48
Trinity actives have cut their price
Median sold price, Trinity, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 191% above the TRINITY 34655 median. See the full Trinity market guide →
Paper trail
This home's history
Reality check
What actually sold near 10640 PONTOFINO CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$918,000
10533 BARACOA COURT · same community
5 bd · 5 ba · 4,000 sqft · $230/sqft · 108 DOM
Sold · Dec ’25$1,090,000
10508 PONTOFINO CIRCLE · same community
5 bd · 4 ba · 3,967 sqft · $275/sqft · 102 DOM
Sold · Jan ’26$890,000
1227 TOSCANO DRIVE · same community
5 bd · 4.5 ba · 3,948 sqft · $225/sqft · 93 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10640 PONTOFINO CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10640 PONTOFINO CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10640 PONTOFINO CIRCLE FAQs
What would the monthly payment be for 10640 PONTOFINO CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,636/mo — principal and interest, the actual property-tax bill, the $291/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 10640 PONTOFINO CIRCLE?+
The association fee works out to $291 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10640 PONTOFINO CIRCLE?+
The most recent tax bill on record (2025) was $8,432. 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 10640 PONTOFINO CIRCLE?+
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 Trinity?+
At $949,900, this home is listed about 73% above the Trinity median of $549,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10640 PONTOFINO CIRCLE?+
Trinity 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Denise Wooley, PA. MLS #W7890084.
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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