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Overview

4 bd3 ba3,149 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/qtr
Built2005
Lot7,041 sqft
Living area3,149 sqft
Price / sqft$130
Garage2 car

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsThermostatWalk-in Closet(s)Window TreatmentsSidewalk

10945 Subtle Trail Dr is a 2005-built home in South Fork Unit 3, Riverview. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,149 square feet of living space. Listed at $409,500 (about $130/sqft), 168 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 quarterly.

From the listing

Located on a quiet cul-de-sac in the highly desirable South Fork community, this spacious 4-bedroom, 3-bath home offers over 3,100 sq ft of flexible living space designed for both everyday living and entertaining. Inside, you’ll find an open, functional layout with expansive living and dining areas, a large kitchen with breakfast bar and dinette, and a versatile first-floor den that can easily serve as a home office or potential fifth bedroom. Upstairs features generously sized bedrooms including a spacious primary suite with ample closet space. Step outside to a private, fenced backyard with room to relax, play, or create your ideal outdoor space. Ideally located within close proximity to the community pool, playground, and tennis courts, this home offers both comfort and convenience. Complete with a two-car garage, interior laundry, and low HOA, this is an excellent opportunity in one of Riverview’s most established communities.

The essentials

Built
2005
Price / sqft
$130
On market
168 days
Annual tax
$8,024
HOA
$110/qtr
Flood zone
X · Low risk
Lot
7,041 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Shared amenity
2 car garage
7,041 sqft lot
Lot size
3,149 sqft
Living area

Payment

Est. monthly payment
$3,046/mo
Down payment (20%)
$81,900
Property taxes
$669/mo
HOA
$110/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
7,041 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
168
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Elementary
Summerfield Crossing Elementary
Middle
Eisenhower-HB
High
East Bay-HB

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$8,024
Parcel #
U-17-31-20-71P-B00000-00020.0

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
South Fork Unit 3
County
Hillsborough
MLS Area
33569 - Riverview
Lot Size
7,041 sqft
Cul-De-SacNear Public Transit
HOA
$110/qtr
Inframark IMS

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #TB8502390
$409,500-1.3%
$130/sqft
-
Price change
Source: Stellar MLS #TB8502390
$415,000-5.7%
$132/sqft
4/27/2026
Listed for sale
Source: Stellar MLS #TB8502390
$439,900
$140/sqft

Neighborhood

10945 Subtle Trail Dr
Riverview, FL, 33569 · 33569 - Riverview

Market insights

Offer Insights

Choose an offer strength

List price: $409,500
$407,500 – $409,500
99.5% – 100% of listTops out right at the list price
80% of listList price
96 of the last 169 home closings in 33569 landed at this number or higher (57%). The median one sat 31 days before it went under contract, and this one is on day 168 after a $30,400 cut.

Sample: 169 closed home sales in 33569 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,046/mo
Principal & interest$2,136
Property taxes$669
Insurance$205
HOA$37
Down payment20% · $81,900
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

$409,500

$130 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,149 sq ft

Time on market

168 days

Year built

2005

Monthly payment

About $3,046/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,024 annual tax bill, insurance, and the $110/qtr HOA fee.

HOA fee

$110/qtr

Managed by Inframark IMS.

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 byJASON MITCHELL REAL ESTATE FLOListing agent: Thomas GirardListing data from Stellar MLS, MLS# TB8502390.

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