12643 HORSESHOE BEND DRIVE, LITHIA, FL, 33547
Active86 days on marketListed Apr 29, 2026MLS #O6403309
About this home
12643 HORSESHOE BEND DRIVE
Meet 12643 Horseshoe Bend Dr, recently updated with fresh interior paint throughout. The kitchen features all stainless steel appliances, an accent backsplash, and an island. A walk in closet is found in the primary bedroom; the primary bathroom includes double sinks. The exterior features a patio and a fenced in backyard. This updated property blends modern style and everyday comfort seamlessly. Included 100-Day Home Warranty with buyer activation
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,642
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$172
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 and the real association fee — not generic estimates.
$3,877 /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
$3,877/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
+9.8%
$/sqft vs Lithia actives
$172 vs $220
Days on market
86 vs 30 typical
Where $172/sqft sits among the 136 Lithia 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 Lithia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lithia. See the full Lithia guide →
LITHIA 33547 — neighborhood snapshot
Population
31,268
Median age
36.8
Median income
$121,769
Median home value
$477,300
Avg household
3.24
Households w/ children
4,884
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lithia market
$580K → $588K
Lithia median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
83 of 136
Lithia actives have cut their price
Median sold price, Lithia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the LITHIA 33547 median. See the full Lithia market guide →
Paper trail
This home's history
Reality check
What actually sold near 12643 HORSESHOE BEND DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$665,000
14514 WOODLAND SPUR DRIVE · same community
3 bd · 3 ba · 2,604 sqft · $255/sqft · 22 DOM
Sold · Aug ’25$819,000
14507 WOODLAND SPUR DRIVE · same community
5 bd · 4.5 ba · 4,295 sqft · $191/sqft · 99 DOM
Sold · Mar ’26$689,990
15024 RIDER PASS DRIVE
4 bd · 4 ba · 2,639 sqft · $261/sqft · 0 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 12643 HORSESHOE BEND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12643 HORSESHOE BEND 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
12643 HORSESHOE BEND DRIVE FAQs
What would the monthly payment be for 12643 HORSESHOE BEND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,877/mo — principal and interest, the actual property-tax bill, the $12/mo association fee 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.
How much are the HOA fees at 12643 HORSESHOE BEND DRIVE?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12643 HORSESHOE BEND DRIVE?+
The most recent tax bill on record (2025) was $9,900. 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 12643 HORSESHOE BEND 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 Lithia?+
At $455,000, this home is listed about 20% below the Lithia median of $569,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12643 HORSESHOE BEND DRIVE?+
Newsome High School (high), Barrington Middle School (middle), Stowers Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LITHIA 33547 market on paper
$455,000 is 9% below the LITHIA 33547 median of $499,900, and at $172/sqft it sits under the Lithia average of $246.
02Time on market is leverage
86 days on market against a Lithia median of 30 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Newsome High School, Barrington Middle School, Stowers Elementary School, Patricia Sullivan Metropolitan Ministries Partnership School — Newsome High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $475,000, now $455,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OPENDOOR BROKERAGE LLC · Karen Albright. MLS #O6403309.
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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