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Overview

3 bd2 ba1,916 sqft2 car garageSingle Family
TypeSingle Family
HOA$40/yr
Built1989
Lot8,050 sqft
Living area1,916 sqft
Price / sqft$222
Garage2 car

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Primary Bedroom Main FloorVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsDishwasherElectric Water Heater

3822 Cold Creek Dr is a 1989-built home in Bloomingdale Section P Q, Valrico. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,916 square feet of living space. Listed at $425,000 (about $222/sqft), 3 days on market. Flood zone 12057C0415 - confirm flood insurance requirements with your lender. HOA runs $40 annually.

From the listing

Welcome to this inviting 3-bedroom, 2-bath home featuring a split-bedroom floor plan, vaulted ceilings, and an oversized 2-car garage. A distinctive brick exterior, tropical landscaping, and red double entry doors create a memorable first impression. Inside, the spacious family room sits at the heart of the home, where a beautiful brick fireplace with a wood mantel provides a warm focal point, and expansive sliding glass doors open to the large covered, screened lanai overlooking the fenced backyard. The adjoining kitchen offers stainless steel appliances, ample counter and cabinet space, a breakfast bar, and a pantry, keeping everyday living and entertaining comfortably connected. A separate dining area with a striking arched window adds charm and flexibility for gatherings. The primary suite features French doors to the lanai and a spacious en-suite bathroom with a separate garden tub, while the split layout provides separation from the additional bedrooms. An interior laundry room adds convenience. Enjoy morning coffee or unwind outdoors on the generous lanai, with backyard space to garden, play, or personalize. Set on a quiet lot with mature oak trees and located near Alafia Elementary and the YMCA, this home blends architectural character, comfortable living spaces, and the opportunity to make it your own.

The essentials

Built
1989
Price / sqft
$222
On market
3 days
Annual tax
$884
HOA
$40/yr
Flood zone
12057C0415
Lot
8,050 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
2 car garage
Garage Door Opener
8,050 sqft lot
Lot size
1,916 sqft
Living area

Payment

Est. monthly payment
$2,506/mo
Down payment (20%)
$85,000
Property taxes
$74/mo
HOA
$40/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
8,050 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener, Oversized
Days on Market
3
Cathedral Ceiling(s)
Ceiling Fans(s)
Primary Bedroom Main Floor
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Dishwasher
Electric Water Heater
Range
Refrigerator
Elementary
Alafia-HB
Middle
Burns-HB
High
Bloomingdale-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone 12057C0415
Annual Tax (2025)
$884
Parcel #
U-07-30-21-36E-000005-00027.0

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
Bloomingdale Section P Q
County
Hillsborough
MLS Area
33594 - Valrico
Lot Size
8,050 sqft
In County
HOA
$40/yr
Donna Jankowitz

Price history

Date
Event
Price
10/16/2026
Listed for sale
Source: Stellar MLS #TB8558999
$425,000
$222/sqft

Neighborhood

3822 Cold Creek Dr
Valrico, FL, 33594 · 33594 - Valrico

Market insights

Offer Insights

Choose an offer strength

List price: $425,000
$422,500 – $425,000
99.5% – 100% of listTops out right at the list price
80% of listList price
100 of the last 176 home closings in 33594 landed at this number or higher (57%). The median one sat 23 days before it went under contract, and this one is on day 3.

Sample: 176 closed home sales in 33594 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,506/mo
Principal & interest$2,217
Property taxes$74
Insurance$213
HOA$3
Down payment20% · $85,000
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

$425,000

$222 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,916 sq ft

Time on market

3 days

Year built

1989

Monthly payment

About $2,506/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $884 annual tax bill, insurance, and the $40/yr HOA fee.

HOA fee

$40/yr

Managed by Donna Jankowitz.

Flood zone

Zone 12057C0415

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?

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Brokered byFUTURE HOME REALTY INCListing agent: Michael CeparanoListing data from Stellar MLS, MLS# TB8558999.

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