
32103 RUSTY CREEK TRAIL, DADE CITY, FL, 33525
Active194 days on marketListed Jan 20, 2026MLS #TB8466438
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
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.
$8,341 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,341/mo
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
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
Drive times from this address
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
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)
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
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.
Sold · Jul ’26$560,000
12944 HERRMANN ROAD
3 bd · 2 ba · 2,128 sqft · $263/sqft · 19 DOM
Sold · Mar ’26$437,500
31505 SAINT JOE ROAD
3 bd · 2 ba · 2,147 sqft · $204/sqft · 14 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 32103 RUSTY CREEK TRAIL — start here.

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.
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.
Keep looking
Similar homes nearby
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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