3614 COLD CREEK DRIVE, VALRICO, FL, 33596
Active309 days on marketListed Sep 19, 2025MLS #L4955994
About this home
3614 COLD CREEK DRIVE
Welcome to Your Florida Paradise! Located in Valrico, Florida, this rare find sits in one of South Shore’s most sought-after communities — NO HOA (HOA is Optional) NO CDD This stunning property offers over 2,000 sq. ft. of living space, featuring: 3 Bedrooms, 2 Bathrooms Private Pool Home/In-Law Suite with its own A/C unit and side entrance — perfect for guests or multi-generational living Oversized Corner Lot with an extended driveway for plenty of parking Step inside and enjoy an open, light-filled floor plan with soaring ceilings. The master suite boasts a spa-like bathroom with a jetted garden tub, walk-in shower, dual sinks, and tile flooring. (Stay tuned for the updates). Additional features include: Double-paned hurricane impact windows and triple sliding glass doors opening to the pool LED lighting and ceiling fans throughout Oversized covered lanai ideal for entertaining Recently replaced pool pump, A/C unit, and roof Solar panels that keep your electric bill affordable (a true money-saver!) This home was designed for those who love to entertain and embrace the Florida lifestyle. Schedule your private showing today and make this Valrico gem yours!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,028
Sqft
0.24 ac
Lot size
2
Garage
1996
Year built
One
Levels
$244
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,811 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,811/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+7%
$/sqft vs Valrico actives
$244 vs $218
Days on market
309 vs 34 typical
Where $244/sqft sits among the 194 Valrico actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Valrico
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
The numbers that matter
The Valrico market
$445K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
108 of 194
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the Valrico median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3614 COLD CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$415,000
3732 COLD CREEK DRIVE · same community
3 bd · 2 ba · 2,015 sqft · $206/sqft · 19 DOM
Sold · Feb ’26$385,000
3603 TREELINE DRIVE · same community
4 bd · 2 ba · 2,077 sqft · $185/sqft · 44 DOM
Sold · Mar ’26$460,000
3729 HOLLOW WOOD DRIVE · same community
4 bd · 2 ba · 2,180 sqft · $211/sqft · 50 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3614 COLD CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3614 COLD CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3614 COLD CREEK DRIVE FAQs
What would the monthly payment be for 3614 COLD CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,811/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3614 COLD CREEK DRIVE?+
The most recent tax bill on record (2024) was $6,293. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3614 COLD CREEK DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Valrico?+
At $494,000, this home is listed about 4% above the Valrico median of $474,950. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Stephanie Morales Adriazola. MLS #L4955994.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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