3519 Harvest Gardens Loop, photo 1
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Overview

4 bd3 ba3,313 sqftSingle Family
TypeSingle Family
HOA$9/mo
Built2026
Lot6,000 sqft
Living area3,313 sqft
Price / sqft$143

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 CenterPlaygroundPoolDishwasherMicrowaveRange

3519 Harvest Gardens Loop is a 2026-built home in Varrea, Plant City. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,313 square feet of living space. Listed at $475,000 (about $143/sqft), 2 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $9 monthly.

From the listing

Virtually Staged. 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
$143
On market
2 days
Annual tax
$0
HOA
$9/mo
Flood zone
AE
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
6,000 sqft lot
Lot size
3,313 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$3,337/mo
Down payment (20%)
$95,000
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
6,000 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
2
Open Floorplan
Clubhouse
Fitness Center
Playground
Pool
Dishwasher
Microwave
Range
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 AE
Annual Tax (2026)
$0
Parcel #
P 11 28 22 D9Z 000000 00031.0

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
6,000 sqft
HOA
$9/mo
Access Management

Price history

Date
Event
Price
10/9/2026
Listed for sale
Source: Stellar MLS #TB8556804
$475,000
$143/sqft

Neighborhood

3519 Harvest Gardens Loop
Plant City, FL, 33565 · 33565 - Plant City

Market insights

Offer Insights

Choose an offer strength

List price: $475,000
$472,500 – $475,000
99.5% – 100% of listTops out right at the list price
80% of listList price
76 of the last 138 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 2.

Sample: 138 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
$3,337/mo
Principal & interest$2,477
Property taxes$614
Insurance$238
HOA$9
Down payment20% · $95,000
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

$475,000

$143 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,313 sq ft

Time on market

2 days

Year built

2026

Monthly payment

About $3,337/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 Access Management.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byD R HORTON REALTY OF TAMPA LLCListing agent: Jodi SmendaListing data from Stellar MLS, MLS# TB8556804.

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