

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- VALENCIA RIDGE PHASE
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$349/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
3427 Malta Ave is a 2026-built home in Valencia Ridge Phase, Wesley Chapel. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,674 square feet of living space. Listed at $478,900 (about $286/sqft), 74 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $349 monthly.
Want to love where you live? We welcome you to Valencia Ridge, a premier 55+ resort-style community located in Wesley Chapel, conveniently positioned near the Shops at Wiregrass and premier healthcare facilities. Residents benefit from an active lifestyle supported by a full-time Lifestyle Director and access to extensive amenities, including a clubhouse, a state-of-the-art fitness center, and swimming pools. Now available is the move-in-ready Camellia floor plan on lot # 196 with beautiful water views. This sophisticated open-concept residence features two bedrooms, two bathrooms, a spacious den/versatile flex space suitable for use as a home office, hobby room, or guest quarters, and a two-car garage. The chef’s kitchen serves as a focal point, appointed with beautiful cabinetry, premium quartz countertops, and pendant lights. All GE appliances, blinds and ceiling fans are included. Additional features include beautiful pavers at both front and rear of home, tankless water heater, pre plumb summer kitchen and pre plumb water system, glass entry door, and extended tile to ceiling in primary bathroom, just to name a few. There is a $28,029 builder incentive which is already applied to the list price of this spec home.*Disclaimer that some photos are of the Camelia MODEL HOME to help give you decorating ideas. * Resort-Style Amenities includes a gorgeous community pool, a fitness center, onsite restaurant, pickleball courts, a beautiful clubhouse, and a comprehensive calendar of social activities where you will absolutely love making great memories and also new friends. We look forward to scheduling your showing today!
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The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 336 closed home sales in 33543 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$478,900
$286 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,674 sq ft
Time on market
74 days
Year built
2026
Monthly payment
About $3,270/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,203 annual tax bill, insurance, and the $349/mo HOA fee.
HOA fee
$349/mo
Managed by Valencia Ridge HOA-James Smith.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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