13235 PALMILLA CIRCLE, DADE CITY, FL, 33525
Active191 days on marketListed Jan 20, 2026MLS #TB8466333
About this home
13235 PALMILLA CIRCLE
$3,850 lender credit available with preferred lender! Seller credits available to help with closing costs! Located on the North Course in Lake Jovita Golf & Country Club, this true single family three bedroom, two bath home offers scenic views and a relaxed lifestyle in the rolling hills of East Pasco. Built in 2004 and well maintained, the home features a premium slate tile roof, HVAC replaced in 2021, and an open floor plan filled with natural light. The kitchen offers granite countertops, stainless steel appliances, hardwood cabinetry, and counter seating that opens to the living and dining areas, making it ideal for everyday living and entertaining. Large windows and sliding glass doors frame peaceful fairway views and lead to a covered and screened lanai with brick pavers, providing plenty of space for outdoor dining, relaxing, or enjoying quiet evenings. The spacious primary suite is positioned to capture the view and includes a private ensuite with dual vanities, a separate soaking tub, walk in shower, and a large walk in closet, creating a comfortable and private retreat. The Heathers is a maintenance free enclave within Lake Jovita where HOA services include lawn care, landscaping, tree trimming, roof and exterior cleaning, basic cable service, periodic exterior painting, and 24 hour guard gated security, along with community parks, playgrounds, walking trails, two dedicated dog parks, pickleball courts, basketball courts, and community pools. Optional memberships through the Lake Jovita Country Club provide access to two championship eighteen hole courses, Har Tru clay tennis courts, a fitness center, clubhouse dining, and social events. There are no CDD fees, and memberships are not required for ownership. Conveniently located minutes from I 75, shopping, dining, and Tampa Premium Outlets, this home offers the opportunity to enjoy a scenic setting with resort style options while owning a standalone single family residence rather than a villa.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,683
Sqft
0.17 ac
Lot size
2
Garage
2004
Year built
One
Levels
$211
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.
$2,955 /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
$2,955/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
+6.3%
$/sqft vs Dade City actives
$211 vs $193
Days on market
191 vs 28 typical
Where $211/sqft sits among the 329 Dade City 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 Lake Jovita Golf And Country Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
Lake Jovita Golf And Country Club — neighborhood snapshot
Population
1,806
Median age
45
Median income
$115,994
Median home value
$456,443
Avg household
3
Households w/ children
155
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
167 of 329
Dade City actives have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the DADE CITY 33525 median. See the full Dade City market guide →
Paper trail
This home's history
Reality check
What actually sold near 13235 PALMILLA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$470,000
13231 PALMILLA CIRCLE · same community
3 bd · 2 ba · 1,997 sqft · $235/sqft · 30 DOM
Sold · Apr ’26$340,000
13141 PALMILLA CIRCLE · same community
2 bd · 2 ba · 2,019 sqft · $168/sqft · 488 DOM
Sold · Jun ’26$440,000
13213 PALMILLA CIRCLE · same community
3 bd · 3 ba · 2,182 sqft · $202/sqft · 300 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 13235 PALMILLA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13235 PALMILLA CIRCLE — 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
13235 PALMILLA CIRCLE FAQs
What would the monthly payment be for 13235 PALMILLA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,955/mo — principal and interest, the actual property-tax bill, the $99/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 13235 PALMILLA CIRCLE?+
The association fee works out to $99 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13235 PALMILLA CIRCLE?+
The most recent tax bill on record (2024) was $5,395. 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 13235 PALMILLA CIRCLE?+
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 Dade City?+
At $354,900, this home is listed about 9% below the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 13235 PALMILLA CIRCLE?+
San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DADE CITY 33525 market on paper
$354,900 is 6% below the DADE CITY 33525 median of $377,490, and at $211/sqft it sits under the Dade City average of $242.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
191 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $390,000, now $354,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Ethan Marsh. MLS #TB8466333.
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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