12238 STIRRUP DRIVE, DADE CITY, FL, 33525
Active172 days on marketListed Feb 3, 2026MLS #TB8472247
About this home
12238 STIRRUP DRIVE
Under Construction. New Construction Home by M/I Homes in Hilltop Point. Popular Mira Lago floorplan, elevation A. Experience exceptional new construction living at 12238 Stirrup Drive in Dade City, Florida. This impressive 5-bedroom, 4-bathroom home spans 3,531 square feet and showcases quality design throughout. Built by M/I Homes, this home offers thoughtfully planned living spaces perfect for today's lifestyle. The open-concept living space creates seamless flow between rooms, ideal for both daily life and entertaining. The owner's bedroom is conveniently located upstairs, providing privacy and comfort. With 4 full bathrooms strategically placed throughout the home, convenience is never compromised. Key features include: 5 spacious bedrooms with owner's bedroom upstairs, 4 well-appointed bathrooms, 3,531 square feet of living space, Open-concept floorplan design, New construction by M/I Homes, Quality design elements throughout. The neighborhood offers excellent proximity to parks, making outdoor recreation easily accessible for the whole family. This home's design emphasizes functionality while maintaining an elegant aesthetic that appeals to discerning buyers. As a new construction home, you'll enjoy the latest building standards and the peace of mind that comes with being the first owner. The thoughtful floorplan maximizes space utilization while creating comfortable living areas that adapt to your needs. This home represents an excellent opportunity to own quality new construction in a desirable Dade City neighborhood with convenient access to recreational amenities. *Photos shown are for representation purposes only and may not depict the actual home.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,531
Sqft
0.16 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$130
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.
$3,855 /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
$3,855/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
−19.1%
$/sqft vs HILLTOP POINT
$130 vs $142
Days on market
172 vs 28 typical
Where $130/sqft sits among the 16 homes for sale in HILLTOP POINT
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)
12 of 16
HILLTOP POINT have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% 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 12238 STIRRUP DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$445,000
38400 GARRON PLACE · same community
5 bd · 4 ba · 3,531 sqft · $126/sqft · 74 DOM
Sold · Dec ’25$452,170
38450 TOBIANO LOOP · same community
5 bd · 3 ba · 3,531 sqft · $128/sqft · 61 DOM
Sold · Mar ’26$424,160
12183 FARRIER DRIVE · same community
5 bd · 3 ba · 3,531 sqft · $120/sqft · 121 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 12238 STIRRUP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12238 STIRRUP DRIVE — 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
12238 STIRRUP DRIVE FAQs
What would the monthly payment be for 12238 STIRRUP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,855/mo — principal and interest, the actual property-tax bill, the $14/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 12238 STIRRUP DRIVE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12238 STIRRUP DRIVE?+
The most recent tax bill on record (2026) was $9,300. 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 12238 STIRRUP DRIVE?+
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 $459,140, this home is listed about 18% 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 12238 STIRRUP DRIVE?+
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
$459,140 runs 21% above the DADE CITY 33525 median — but at 3,531 sqft it's also 63% larger than the typical Dade City listing.
02Time on market is leverage
172 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 $526,150, now $459,140 — a $67K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of M/I HOMES · Marshall Gray. MLS #TB8472247.
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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