David Ramirez
$1,595,000$1,725,0005 bd4 ba4,005 sqft$398 /sqft$9,904 /mo all-in ↓

10700 PONTOFINO CIRCLE, TRINITY, FL, 34655

Active171 days on marketListed Jan 29, 2026MLS #TB8470103

Reduced $130KNew constructionPrivate poolSingle Family ResidenceCHAMPIONS CLUB

About this home

10700 PONTOFINO CIRCLE

Virtually Staged. Welcome to your Brand New luxury dream home, offering a rare chance to own a custom-built residence in Champions Club.Designed to impress and built to entertain. Located in the exclusive gated community of Champions Club, this COMPLETED New Custom Built Pool/Spa Home features an open-concept layout, 1 story with 5 bedrooms/ Office, 4 bathrooms, and a 3-car garage, where luxury meets functionality at every turn. Offering over 4,000 square feet of thoughtfully designed living space, every detail, finish, and proportion has been carefully selected to serve both beauty and everyday living. From the moment you enter, soaring 14-foot ceilings, custom 8-foot interior doors, and a well-defined yet open floor plan create a welcoming first impression. Elegant porcelain flooring flows throughout the home, enhancing the seamless design while abundant natural light and serene pool views create a warm and inviting atmosphere. The heart of the home is the gourmet kitchen, centered around a large island and complemented by an oversized breakfast nook, perfect for casual meals, morning coffee, or gathering with loved ones. Featuring waterfall quartz countertops, double convection oven and microwave, a GE Profile 5-burner cooktop, motion-activated chimney hood, self-closing cabinetry, and a spacious walk-in pantry, this kitchen is as functional as it is beautiful. The Master suite offers a peaceful retreat overlooking the resort-style pool and is paired with a must-see primary bathroom where the builder’s attention to detail truly shines. Enjoy His & Hers walk-in closets, a dedicated cosmetic vanity space, unique copper basins, a Venetian soaking tub, elegant interactive mirrors, and a stunning Italian porcelain tile shower. The spa-inspired shower features two separate glass entry doors and six total sprayers, including two rain showers and a standard shower head on each side designed for everyday relaxation. All bedrooms feature spacious walk-in closets, providing excellent storage and flexibility. *****The fourth bedroom offers a private full bathroom with dual vanities, providing an excellent opportunity for an in-law suite, extended family living, or a spacious guest suite. *****The fifth bedroom is an oversized standout space with three beautiful windows and pool views, along with an oversized walk-in closet. Ideal as a gym, playroom, media room, or bonus living area, this space adapts easily to changing lifestyle needs. Step outside to enjoy a screened-in saltwater/heated pool with fountain features and spa equipped with six jets, all controllable via mobile app. The expansive travertine lanai includes an outdoor kitchen with BBQ and pizza oven, creating the perfect setting for year-round entertaining. Additional features include hurricane-impact windows and doors by PGT, a modern flat tile roof, epoxy-finished 3-car garage, smart home systems, designer landscaping, and quality construction throughout. Garage door is custom made with fiber glass featuring rubber belt sysytem for smoother quiter operation and a camera system. Conveniently located near A-rated schools, shopping, dining, hospitals, and major highways, this new construction home offers a rare blend of luxury, comfort, and timeless design.The only brand-new construction residence currently available in Champions, offering a rare opportunity for modern luxury living. Schedule your private showing today.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

4,005

Sqft

0.4 ac

Lot size

3

Garage

2026

Year built

One

Levels

$398

Per sqft

Private poolPool viewPets allowed

Inside

FlooringEngineered Hardwood · Epoxy · Porcelain Tile · Travertine
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Microwave
InteriorEating Space In Kitchen · High Ceilings · L Dining · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stone · Stucco
FoundationBlock · Brick/Mortar
ViewPool
FacesSouthwest
ParkingDriveway · Garage Door Opener · Oversized
ExteriorOutdoor Grill · Outdoor Kitchen · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$291/mo
Taxes (2025)$2,984/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Natural Gas Available · Public · Sewer Connected · Sprinkler Meter · Water Available · Water Connected
WaterPublic

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.

$9,904 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,607
PMI (est., until 20% equity)$598
Property tax — 2025 actual bill$249
HOA fee — from the listing$291
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $159,500Loan30-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% · $159,500
Interest rate6.00%
Loan term

Estimated payment

$9,904/mo

Principal & interest$8,607
PMI (est., until 20% equity)$598
Property taxes (actual bill)$249
HOA / condo fee$291
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.

List $1.6M
$1.1MedgeAI estimate $1,234,948 · range $1.1M$1.4M$1.7M

vs edgeAI estimate

+29.2%

$/sqft vs Trinity actives

$398 vs $225

Days on market

171 vs 42 typical

Where $398/sqft sits among the 47 Trinity actives

14
21
9
2
1
0 · this home
$166–205$205–243$243–282$282–321$321–360$360+

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 The Champions Club

Map of 10700 PONTOFINO CIRCLE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)33 min
Downtown Tampa43 min

Get to know Trinity. See the full Trinity guide →

The Champions Club — neighborhood snapshot

Population

1,261

Median age

67

Median income

$90,594

Median home value

$471,800

Avg household

2

Households w/ children

85%

For the school run

Pasco County School District

ElementaryTrinity Elementary School★★★★
HighJames W. Mitchell High School★★★★
MiddleSeven Springs Middle School★★★★

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

The numbers that matter

The Trinity market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$479K$484K

Trinity median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

22 of 47

Trinity actives have cut their price

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

This home is listed 376% above the TRINITY 34655 median. See the full Trinity market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,595,000 $130K
Jan 29, 2026Listed at $1,725,000 · 171 days on market since
2026Built · CHAMPIONS CLUB

Reality check

What actually sold near 10700 PONTOFINO CIRCLE

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

10533 BARACOA COURTSold · Feb ’26

$918,000

10533 BARACOA COURT · same community

5 bd · 5 ba · 4,000 sqft · $230/sqft · 108 DOM

10508 PONTOFINO CIRCLESold · Dec ’25

$1,090,000

10508 PONTOFINO CIRCLE · same community

5 bd · 4 ba · 3,967 sqft · $275/sqft · 102 DOM

1227 TOSCANO DRIVESold · Jan ’26

$890,000

1227 TOSCANO DRIVE · same community

5 bd · 4.5 ba · 3,948 sqft · $225/sqft · 93 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 10700 PONTOFINO CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10700 PONTOFINO 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.

Goes straight to David’s phone and CRM.

Straight answers

10700 PONTOFINO CIRCLE FAQs

What would the monthly payment be for 10700 PONTOFINO CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,904/mo — principal and interest, the actual property-tax bill, the $291/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 10700 PONTOFINO CIRCLE?+

The association fee works out to $291 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10700 PONTOFINO CIRCLE?+

The most recent tax bill on record (2025) was $2,984. 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 10700 PONTOFINO 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 Trinity?+

At $1,595,000, this home is listed about 247% above the Trinity median of $460,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10700 PONTOFINO CIRCLE?+

Trinity Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$1,595,000 runs 376% above the TRINITY 34655 median — but at 4,005 sqft it's also nearly twice the size of the typical Trinity listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

171 days on market against a Trinity median of 42 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Trinity Elementary School, James W. Mitchell High School, Seven Springs Middle School — Trinity Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,725,000, now $1,595,000 — a $130K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Mariam Wassef. MLS #TB8470103.

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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