3640 Natural Trace St, photo 1
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Overview

5 bd3 ba2,415 sqft2 car garageSingle Family
TypeSingle Family
HOA$109.24/yr
Built2024
Lot6,893 sqft
Living area2,415 sqft
Price / sqft$157
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)PlaygroundPoolTennis Court(s)

3640 Natural Trace St is a 2024-built home in North Park Isle Ph 2c 3b & 4, Plant City. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,415 square feet of living space. Listed at $380,000 (about $157/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $109.24 annually.

From the listing

Welcome to this spacious 5-bedroom, 2.5-bath home offering 2,415 heated square feet, a main-floor primary suite, versatile upstairs loft, solar panels, and peaceful pond views in the North Park Isle community. The open-concept main living area creates an inviting flow between the kitchen, dining, and family spaces, ideal for both everyday living and entertaining. The kitchen features a walk-in pantry, generous workspace, and easy access to the dining area, while French doors lead to the rear porch overlooking the landscaped backyard and pond beyond. The primary suite is conveniently located on the first floor and offers a spacious bedroom, en-suite bath, and walk-in closet. Upstairs, four additional bedrooms surround a generous loft that provides flexible space for a media area, game room, home office, or additional living area. Additional features include a dedicated interior laundry room, ceiling fans, tile and carpet flooring, irrigation system, attached two-car garage, driveway parking, and garage door opener. Residents of North Park Isle enjoy access to community amenities including a swimming pool, playground, basketball and tennis courts. Conveniently located near shopping, dining, recreation, and major roadways with easy access to Plant City and the surrounding Tampa Bay area.

The essentials

Built
2024
Price / sqft
$157
On market
24 days
Annual tax
$4,640
HOA
$109.24/yr
Flood zone
X · Low risk
Lot
6,893 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Water views
Water
Community pool
Shared amenity
2 car garage
Driveway
6,893 sqft lot
Lot size

Payment

Est. monthly payment
$2,568/mo
Down payment (20%)
$76,000
Property taxes
$387/mo
HOA
$109.24/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
6,893 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
24
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Playground
Pool
Tennis Court(s)
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
Knights-HB
Middle
Marshall-HB
High
Plant City-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)
$4,640
Parcel #
P-09-28-22-D1X-000000-00064.0

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
North Park Isle Ph 2c 3b & 4
County
Hillsborough
MLS Area
33565 - Plant City
Lot Size
6,893 sqft
LandscapedLevelSidewalk
HOA
$109.24/yr
INFRAMARK

Price history

Date
Event
Price
9/16/2026
Listed for sale
Source: Stellar MLS #TB8543995
$380,000+2.7%
$157/sqft
8/30/2024
Sold
Source: Hillsborough County Public Record
$369,900
$153/sqft

Neighborhood

3640 Natural Trace St
Plant City, FL, 33565 · 33565 - Plant City

Market insights

Offer Insights

Choose an offer strength

List price: $380,000
$377,500 – $380,000
99.5% – 100% of listTops out right at the list price
80% of listList price
76 of the last 137 home closings in 33565 landed at this number or higher (55%). The median one sat 26 days before it went under contract, and this one is on day 24.

Sample: 137 closed home sales in 33565 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,568/mo
Principal & interest$1,982
Property taxes$387
Insurance$190
HOA$9
Down payment20% · $76,000
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 is the fee 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

$380,000

$157 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,415 sq ft

Time on market

24 days

Year built

2024

Monthly payment

About $2,568/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,640 annual tax bill, insurance, and the $109.24/yr HOA fee.

HOA fee

$109.24/yr

Managed by INFRAMARK.

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 by54 REALTY LLCListing agent: Amber DahlquistListing data from Stellar MLS, MLS# TB8543995.

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