David Ramirez
$1,299,900$1,399,9004 bd4 ba2,042 sqft$637 /sqft$8,341 /mo all-in ↓

32103 RUSTY CREEK TRAIL, DADE CITY, FL, 33525

Active194 days on marketListed Jan 20, 2026MLS #TB8466438

Reduced $100KSingle Family ResidenceRUSTY CRK

About this home

32103 RUSTY CREEK TRAIL

Built in 2023, this thoughtfully designed 3-bedroom, 2.5-bath residence sitting on 5 acres blends modern farmhouse style with exceptional construction quality and timeless finishes. Wrapped in durable Hardy Board siding and built with 2×6 framing, the home is topped with a premium 26-gauge standing-seam metal roof featuring no exposed fasteners, a high-temperature fully adhered underlayment, spray foam insulation beneath the roof, and R-19 insulation in the walls—delivering superior efficiency, durability, and peace of mind.Inside, the home is filled with natural light from PGT high-impact insulated windows and anchored by floating engineered hardwood floors throughout. All doors are 8-foot knotty alder, adding warmth, scale, and architectural presence to every room.The heart of the home is the beautifully appointed kitchen, showcasing custom knotty alder wood cabinetry, KitchenAid stainless steel appliances, a striking custom copper-stamped farmhouse sink, and a coordinating custom copper hood vent. The oversized island and open layout flow seamlessly into the dining and living areas—ideal for both everyday living and entertaining.The living room showcases vaulted ceilings, rich wood trim, and a sleek modern fireplace—creating a space that feels both inviting and refined. Sliding glass doors open to an expansive covered porch, ideal for entertaining, grilling, or simply unwinding. The primary suite is a true retreat, offering generous space, serene views, and thoughtful design throughout. Floating engineered hardwood flooring continues into the bedroom, complemented by warm wood trim, crown molding, and recessed lighting and a modern ceiling fan adds architectural interest, while large windows invite in natural light and peaceful outdoor views.The spa-inspired primary en-suite is nothing short of stunning. Anchored by a freestanding soaking tub with a matte black floor-mounted filler, the bath is finished with full-height porcelain wall tiles that create a dramatic, resort-level feel. The oversized walk-in shower features dual shower heads, multiple body sprays, and a handheld wand, along with a built-in niche and pebble stone flooring for both texture and comfort.A custom vanity with a stone countertop, designer lighting, and rich wood accents provides ample storage and style, while the cohesive blend of natural materials and modern fixtures delivers a luxurious yet calming atmosphere. This primary suite was designed for relaxation, privacy, and everyday indulgence—offering a true owner’s sanctuary.The property is fully fenced, offering privacy, security, and flexibility for a variety of uses. Adding to the appeal is a charming she-shed featuring a welcoming front porch, PGT insulated windows, a mini-split A/C system, and a private bathroom—ideal for a home office, studio, gym, or guest retreat. A 30-amp RV hookup provides added convenience for travelers or visitors.The impressive 50×40 barn offers exceptional versatility and comfort, equipped with PGT insulated windows, three mini-split A/C units, a full kitchen, and a half bath with washer and dryer hookups. The barn also includes a 50-amp RV hookup, making it perfect for extended stays, hobbies, entertaining, or multi-use living and workspace needs.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,042

Sqft

5.01 ac

Lot size

2

Garage

2023

Year built

One

Levels

$637

Per sqft

FireplaceNegotiable

Inside

FlooringEngineered Hardwood
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Microwave · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Kitchen/Family Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionConcrete · HardiPlank Type · Stone
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener · Split Garage
ExteriorLighting · RV Hookup · Sliding Doors

Community & fees

Taxes (2025)$8,148/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Water Connected
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.

$8,341 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,014
PMI (est., until 20% equity)$487
Property tax — 2025 actual bill$679
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,990Loan30-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% · $129,990
Interest rate6.00%
Loan term

Estimated payment

$8,341/mo

Principal & interest$7,014
PMI (est., until 20% equity)$487
Property taxes (actual bill)$679
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 Dade City actives

$637 vs $193

Days on market

194 vs 28 typical

Where $637/sqft sits among the 329 Dade City actives

213
68
21
10
5
12 · this home
$130–215$215–299$299–384$384–468$468–552$552+

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 Dade City

Map of 32103 RUSTY CREEK TRAIL

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)54 min

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

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

DADE CITY 33525 — neighborhood snapshot

Population

20,220

Median age

44.2

Median income

$69,697

Median home value

$228,700

Avg household

2.57

Households w/ children

2,084

For the school run

Pasco County School District

HighPasco High School★★★★
MiddlePasco Middle School★★★★
ElementarySan Antonio Elementary School★★★★

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

The numbers that matter

The Dade City market

Seller’s marketBalanced6.1 months of inventoryBuyer’s market

$343K$335K

Dade City median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

175 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 244% above the DADE CITY 33525 median. See the full Dade City market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,299,900 $100K
Jan 20, 2026Listed at $1,399,900 · 194 days on market since
2023Built · RUSTY CRK

Reality check

What actually sold near 32103 RUSTY CREEK TRAIL

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

12944 HERRMANN ROADSold · Jul ’26

$560,000

12944 HERRMANN ROAD

3 bd · 2 ba · 2,128 sqft · $263/sqft · 19 DOM

31505 SAINT JOE ROADSold · Mar ’26

$437,500

31505 SAINT JOE ROAD

3 bd · 2 ba · 2,147 sqft · $204/sqft · 14 DOM

32923 DRAKE ESTATES WAYSold · Apr ’26

$645,000

32923 DRAKE ESTATES WAY

4 bd · 2.5 ba · 2,161 sqft · $298/sqft · 65 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 32103 RUSTY CREEK TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 32103 RUSTY CREEK TRAIL — 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.

Goes straight to David’s phone and CRM.

Straight answers

32103 RUSTY CREEK TRAIL FAQs

What would the monthly payment be for 32103 RUSTY CREEK TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,341/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 32103 RUSTY CREEK TRAIL?+

The most recent tax bill on record (2025) was $8,148. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Dade City?+

At $1,299,900, this home is listed about 233% above the Dade City median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 32103 RUSTY CREEK TRAIL?+

Pasco High School (high), Pasco Middle School (middle), San Antonio Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,299,900 runs 244% above the DADE CITY 33525 median.

02Time on market is leverage

194 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $1,399,900, now $1,299,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of BINGHAM REALTY INC · Chad Abraham. MLS #TB8466438.

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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