David Ramirez
$2,400,000$2,600,0005 bd4 ba4,577 sqft$524 /sqft$15,110 /mo all-in ↓

3709 GALLAGHER ROAD, PLANT CITY, FL, 33565

Active501 days on marketListed Mar 21, 2025MLS #TB8364469

Reduced $200KWaterfrontSingle Family ResidenceUNPLATTED

About this home

3709 GALLAGHER ROAD

Back on the market! (Due to buyer financing issues)... Enjoy the best of Florida country living on 24.5 acres of scenic, private land featuring a custom-built estate home, guest cottage, pole barn, pond, a creek and mature trees. The property consists of two parcels: a main 23.04± acre parcel with the residences, pond, and creek frontage, plus a separate vacant 1.54± acre parcel located across Pierce Harwell Loop, also traversed by Campbell Branch Creek. Ideal for agricultural pursuits, multigenerational living, or a private family compound, the property may allow future subdivision. Buyers should independently verify zoning with Hillsborough County. Built in 2015, the custom 3,709± sq. ft. residence offers 3 bedrooms, 3 full baths, a dedicated executive office, formal dining room, and an inviting open-concept living area with pond views. Premium features include 10-foot ceilings, crown molding, wood flooring, custom cabinetry, granite countertops, a metal roof, electric security gate, and a 676± sq. ft. garage. The spacious kitchen is designed for both entertaining and everyday living, featuring stainless steel appliances, a gas cooktop, oversized island, breakfast nook, family room with gas fireplace, walk-in pantry, butler's pantry, and large utility room with abundant storage. The primary suite overlooks the pond and sunsets and includes dual walk-in closet areas with built-in storage and a luxurious en-suite bath with separate vanities, clawfoot soaking tub, walk-in shower, and private water closet. Two additional bedrooms are situated on the opposite side of the home, including one with a private en-suite bath. Outdoor living is equally impressive with a large screened porch featuring a wood plank ceiling, ceiling fans, wet bar, paver flooring, and peaceful water views. Just beyond, a paved gathering area with a fire pit, seating, and swing creates the perfect setting for enjoying Florida evenings. The charming 868± sq. ft. guest cottage includes a full kitchen, living room, two bedrooms, one bath, stackable washer and dryer, screened porch, and an attached 924± sq. ft. garage. The property's large pole barn adds tremendous value and versatility, offering ample space for farm equipment, recreational vehicles, boats, trailers, workshops, or equestrian needs. Additional improvements include two HVAC systems, tankless water heaters, generator, covered well, two septic systems, perimeter fencing, and multiple gated entrances. The blend of luxury, privacy, improved infrastructure, open land, natural water features, and potential future subdivision opportunities creates a rare investment and lifestyle property with endless possibilities. Conveniently located, this private estate offers the perfect balance of rural living and easy access to Florida's major destinations which makes it ideally suited for commuters, healthcare professionals, military personnel, and those seeking convenient access to Central Florida's business centers, airports, and world-renowned attractions.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

4,577

Sqft

24.71 ac

Lot size

5

Garage

2015

Year built

One

Levels

$524

Per sqft

WaterfrontFireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Microwave · Refrigerator · Tankless Water Heater · Water Filtration System
InteriorCrown Molding · High Ceilings · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingDriveway · Split Garage
ExteriorFrench Doors · Irrigation System · Lighting · Private Mailbox

Community & fees

Taxes (2024)$13,193/yr
PetsYes
CommunityHorses Allowed

Utilities & systems

UtilitiesElectricity Connected · Fiber Optics · Propane
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$15,110 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,950
PMI (est., until 20% equity)$900
Property tax — 2024 actual bill$1,099
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $240,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $240,000
Interest rate6.00%
Loan term

Estimated payment

$15,110/mo

Principal & interest$12,950
PMI (est., until 20% equity)$900
Property taxes (actual bill)$1,099
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs UNPLATTED

$524 vs $317

Days on market

501 vs 55 typical

Where $524/sqft sits among the 169 homes for sale in UNPLATTED

84
38
17 · this home
13
5
12
$175–316$316–457$457–597$597–738$738–879$879+

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 Plant City

Map of 3709 GALLAGHER ROAD

Drive times from this address

Downtown Tampa23 min
Tampa Int’l Airport (TPA)34 min
Walt Disney World59 min
Universal Orlando69 min
Downtown Orlando75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Plant City. See the full Plant City guide →

PLANT CITY 33565 — neighborhood snapshot

Population

17,716

Median age

43.6

Median income

$67,403

Median home value

$237,600

Avg household

2.81

Households w/ children

1,795

For the school run

Hillsborough County School District

ElementaryKnights Elementary School★★★★★
MiddleMarshall Middle Magnet School★★★★
HighPlant City High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Plant City market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$357K$365K

Plant City median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

72 of 169

UNPLATTED have cut their price

Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 433% above the PLANT CITY 33565 median. See the full Plant City market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,400,000 $200K
Mar 21, 2025Listed at $2,600,000 · 501 days on market since
2015Built · UNPLATTED

Reality check

What actually sold near 3709 GALLAGHER ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

908 PELOTE CEMETERY ROADSold · Dec ’25

$1,450,000

908 PELOTE CEMETERY ROAD · same community

6 bd · 4.5 ba · 3,982 sqft · $364/sqft · 10 DOM

6201 BOB HEAD ROADSold · Dec ’25

$640,000

6201 BOB HEAD ROAD · same community

4 bd · 2.5 ba · 3,741 sqft · $171/sqft · 102 DOM

8903 DONNA LU DRIVESold · Dec ’25

$1,185,000

8903 DONNA LU DRIVE · same community

3 bd · 2 ba · 2,106 sqft · $563/sqft · 98 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3709 GALLAGHER ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3709 GALLAGHER ROAD — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3709 GALLAGHER ROAD FAQs

What would the monthly payment be for 3709 GALLAGHER ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,110/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 3709 GALLAGHER ROAD?+

The most recent tax bill on record (2024) was $13,193. 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 3709 GALLAGHER ROAD?+

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 Plant City?+

At $2,400,000, this home is listed about 485% above the Plant City median of $410,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3709 GALLAGHER ROAD?+

Knights Elementary School (elementary), Marshall Middle Magnet School (middle), Plant City High School (high), 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

01Positioned at the premium end

$2,400,000 runs 433% above the PLANT CITY 33565 median — but at 4,577 sqft it's also nearly twice the size of the typical Plant City listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

501 days on market against a Plant City median of 55 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,600,000, now $2,400,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of PALERMO REAL ESTATE PROF. INC. · Paula Cardoso. MLS #TB8364469.

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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