3526 Harvest Gardens Loop, photo 1
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Overview

5 bd3 ba2,605 sqft2 car garageSingle Family
TypeSingle Family
HOA$9/mo
Built2026
Lot7,841 sqft
Living area2,605 sqft
Price / sqft$154
Garage2 car

Ask anything about this home

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
VARREA
Type
Single Family Residence

True monthly carry

HOA
~$9/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

Open FloorplanClubhouseFitness CenterPlaygroundPoolDishwasherDryerMicrowave

3526 Harvest Gardens Loop is a 2026-built home in Varrea, Plant City. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,605 square feet of living space. Listed at $402,000 (about $154/sqft), 17 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $9 monthly.

From the listing

Under Construction. The builder is offering buyers up to $15,000 towards closing costs with the use of a preferred lender and title company. Farm at Varrea offers new homes in Plant City, located right off Midway Road, and less than 10 minutes from I-4. Easy access to the interstate provides a seamless commute to the large surrounding cities such as Tampa, Orlando, and Lakeland. Farm at Varrea, nestled among grand oak trees, provides a small-town, rural feel, yet allows homeowners to be immersed in all that Plant City can provide. Just 11 minutes away, you'll find Downtown Plant City with a main street bustling with unique shops, restaurants, and entertainment. Not only is the community in a prime location, but it sits in the center of the Strawberry Capital, where the famous Strawberry Festival is held annually, bringing rides, vendors, and live entertainment to the city. Each home in this community is constructed with concrete blocks on 1st and 2nd stories, comes equipped Smart Home System. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability.

The essentials

Built
2026
Price / sqft
$154
On market
20 days
Annual tax
$0
HOA
$9/mo
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
2 car garage
7,841 sqft lot
Lot size
2,605 sqft
Living area

Payment

Est. monthly payment
$2,826/mo
Down payment (20%)
$80,400
Property taxes
$0/mo
HOA
$9/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
7,841 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
20
Open Floorplan
Clubhouse
Fitness Center
Playground
Pool
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$0
Parcel #
P-11-28-22-D9Z-000000-00065.0

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
Varrea
County
Hillsborough
MLS Area
33565 - Plant City
Lot Size
7,841 sqft
HOA
$9/mo
Wrathell

Price history

Date
Event
Price
9/19/2026
Listed for sale
Source: Stellar MLS #TB8550278
$402,000
$154/sqft

Neighborhood

3526 Harvest Gardens Loop
Plant City, FL, 33565 · 33565 - Plant City

Market insights

Offer Insights

Choose an offer strength

List price: $402,000
$400,000 – $402,000
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 20.

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
$2,826/mo
Principal & interest$2,097
Property taxes$519
Insurance$201
HOA$9
Down payment20% · $80,400
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes estimated at 1.55% of price a year. 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

$402,000

$154 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,605 sq ft

Time on market

20 days

Year built

2026

Monthly payment

About $2,826/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $9/mo HOA fee.

HOA fee

$9/mo

Managed by Wrathell.

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 byD R HORTON REALTY OF TAMPA LLCListing agent: Jodi SmendaListing data from Stellar MLS, MLS# TB8550278.

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