12890 Payton St, photo 1
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Overview

4 bd3 ba2,881 sqft2 car garageSingle Family
TypeSingle Family
HOA$85/yr
Built2018
Lot5,877 sqft
Living area2,881 sqft
Price / sqft$229
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingIN Wall Pest SystemKitchen/Family Room ComboStone CountersTray Ceiling(s)Window TreatmentsHurricane Shutters

12890 Payton St is a 2018-built home in Starkey Ranch Village 2 Ph 1a, Odessa. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,881 square feet of living space. Listed at $660,000 (about $229/sqft), 77 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $85 annually.

From the listing

Beautiful 4-bedroom, 3-bathroom home with a loft in highly sought-after Starkey Ranch! This well-appointed home features tile flooring throughout, elegant tray ceilings, numerous builder upgrades, and a 2-car garage. The spacious loft offers flexible space for a home office, media room, or additional living area. Enjoy Florida outdoor living from the seller-added screened-in lanai, perfect for relaxing or entertaining. A water softener was also added by the seller for added convenience. Located in a desirable community with A-rated schools, exceptional amenities, parks, trails, shopping, dining, and convenient access to major roadways. A wonderful opportunity to enjoy the Starkey Ranch lifestyle!

The essentials

Built
2018
Price / sqft
$229
On market
77 days
Annual tax
$3,887
HOA
$85/yr
Flood zone
X · Low risk
Lot
5,877 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
2 car garage
5,877 sqft lot
Lot size
2,881 sqft
Living area

Payment

Est. monthly payment
$4,103/mo
Down payment (20%)
$132,000
Property taxes
$324/mo
HOA
$85/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
5,877 sqft
Cooling
Central Air
Heating
Central, Natural Gas
Parking
-
Days on Market
77
Ceiling Fans(s)
Crown Molding
IN Wall Pest System
Kitchen/Family Room Combo
Stone Counters
Tray Ceiling(s)
Window Treatments
Hurricane Shutters
Private Yard
Sidewalk
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Gas Water Heater
Microwave
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone x
Annual Tax (2025)
$3,887
Parcel #
28-26-17-0100-00200-0090

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
Starkey Ranch Village 2 Ph 1a
County
Pasco
MLS Area
33556 - Odessa
Lot Size
5,877 sqft
HOA
$85/yr
Green Acres Property

Price history

Date
Event
Price
7/28/2026
Listed for sale
Source: Stellar MLS #TB8534201
$660,000
$229/sqft

Neighborhood

12890 Payton St
Odessa, FL, 33556 · 33556 - Odessa

Market insights

Offer Insights

Choose an offer strength

List price: $660,000
$650,000 – $660,000
98.5% – 100% of listTops out right at the list price
80% of listList price
134 of the last 266 home closings in 33556 landed at this number or higher (50%). The median one sat 34 days before it went under contract, and this one is on day 77.

Sample: 266 closed home sales in 33556 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,103/mo
Principal & interest$3,442
Property taxes$324
Insurance$330
HOA$7
Down payment20% · $132,000
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

$660,000

$229 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,881 sq ft

Time on market

77 days

Year built

2018

Monthly payment

About $4,103/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,887 annual tax bill, insurance, and the $85/yr HOA fee.

HOA fee

$85/yr

Managed by Green Acres Property.

Flood zone

Zone X

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

Offer

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Brokered byBHHS FLORIDA PROPERTIES GROUPListing agent: Lena TanListing data from Stellar MLS, MLS# TB8534201.

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