9644 Summers Cay Cir, photo 1
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Overview

4 bd3 ba2,416 sqft2 car garageSingle Family
TypeSingle Family
HOA$126/mo
Built2022
Lot5,500 sqft
Living area2,416 sqft
Price / sqft$182
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Primarybedroom UpstairsCommunity MailboxParkSidewalksDishwasherDryerElectric Water HeaterMicrowave

9644 Summers Cay Cir is a 2022-built home in Summers Cay, Thonotosassa. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,416 square feet of living space. Listed at $439,900 (about $182/sqft), 236 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $126 monthly.

From the listing

Nearly new and move-in ready without the wait of building!! This 4-bedroom, 2.5-bath home with an office and loft offers a flexible, modern layout in the Summers Cay community. Built by Centex Homes, the open-concept design features granite countertops, stainless steel appliances including a new range, a closet pantry, and sliding doors to a covered patio. The first floor includes a dedicated office, half bath, and ample storage, while upstairs offers a spacious loft, a private primary suite with walk-in closet and dual sinks, generously sized secondary bedrooms, a full bath, and convenient second-floor laundry. Ideally located with quick access to I-75 and I-4 for an easy commute to Tampa, shopping, and dining. Buyer may have opportunities for closing cost assistance depending on terms.

The essentials

Built
2022
Price / sqft
$182
On market
236 days
Annual tax
$5,836
HOA
$126/mo
Flood zone
X · Low risk
Lot
5,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
5,500 sqft lot
Lot size
2,416 sqft
Living area

Payment

Est. monthly payment
$3,126/mo
Down payment (20%)
$87,980
Property taxes
$486/mo
HOA
$126/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
5,500 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
236
Primarybedroom Upstairs
Community Mailbox
Park
Sidewalks
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone x
Annual Tax (2024)
$5,836
Parcel #
U-17-28-20-C7H-000000-00031.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Summers Cay
County
Hillsborough
MLS Area
33592 - Thonotosassa
Lot Size
5,500 sqft
HOA
$126/mo
Patrick Dooley

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #S5143808
$439,900-2.2%
$182/sqft
-
Price change
Source: Stellar MLS #S5143808
$450,000-5.3%
$186/sqft
2/19/2026
Listed for sale
Source: Stellar MLS #S5143808
$475,000+8.5%
$197/sqft
10/28/2022
Sold
Source: Hillsborough County Public Record
$437,900
$181/sqft

Neighborhood

9644 Summers Cay Cir
Thonotosassa, FL, 33592 · 33592 - Thonotosassa

Market insights

Offer Insights

Choose an offer strength

List price: $439,900
$430,000 – $439,900
98% – 100% of listTops out right at the list price
80% of listList price
23 of the last 45 home closings in 33592 landed at this number or higher (51%). The median one sat 42 days before it went under contract, and this one is on day 236 after a $35,100 cut.

Sample: 45 closed home sales in 33592 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,127/mo
Principal & interest$2,294
Property taxes$486
Insurance$220
HOA$126
Down payment20% · $87,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$439,900

$182 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,416 sq ft

Time on market

236 days

Year built

2022

Monthly payment

About $3,126/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,836 annual tax bill, insurance, and the $126/mo HOA fee.

HOA fee

$126/mo

Managed by Patrick Dooley.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byTRINITY LUXE REALTY INCListing agent: Maria PadronListing data from Stellar MLS, MLS# S5143808.

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