David Ramirez
$799,000$850,0005 bd4 ba3,144 sqft$254 /sqft$6,038 /mo all-in ↓

1022 EMERALD CREEK DRIVE, VALRICO, FL, 33596

Active137 days on marketListed Mar 10, 2026MLS #TB8484278

Reduced $51KPrivate poolSingle Family ResidenceEMERALD CREEK

About this home

1022 EMERALD CREEK DRIVE

Rare opportunity to own a custom-built estate on a spacious .64-acre lot, featuring one of the home’s most valuable highlights — a private in-law suite with its own entrance. Perfect for multigenerational living, extended guests, or added privacy, this separate living space includes a kitchenette, full bathroom, and closet, offering comfort and independence rarely found in single-family homes. The main residence lives as a 4 bed, 3 bath home all thoughtfully designed within a spacious single-story layout. From the moment you arrive, the home makes a statement with its stunning tile roof, half-circle paver driveway, and oversized 3-car garage, providing excellent curb appeal and plenty of parking. Step through the grand double-door entry where your eyes are immediately drawn through the formal living area to the sparkling pool view beyond the expansive windows. Volume ceilings, plantation shutters, and all solid surface flooring add to the home’s elegant yet comfortable feel. The primary suite, located privately on the right side of the home, is filled with natural light and offers tranquil views of the pool area. The suite features a tray ceiling with crown molding, two custom built walk-in closets, dual vanities, a makeup counter, a relaxing garden tub, and a large walk-in shower, all complemented by timeless creamy cabinetry. To the left of the entry sits the formal dining room, featuring a beautiful built-in buffet that leads directly into the stately chef’s kitchen. Designed for both everyday living and entertaining, the kitchen features granite countertops, a center island with seating, real wood cabinetry with dovetail construction, glass-front cabinets, built-in ice maker, and a huge walk-in pantry. A large casual dining area sits beside the kitchen, all overlooking the spacious family room. Just off the family room is a flex room perfect for a home office or den, along with a nearby full bathroom. Down a separate hallway beyond the kitchen are two additional bedrooms connected by a Jack-and-Jill bathroom, along with a laundry room with built-in sink and cabinetry and convenient access to the oversized three-car garage. French doors from the family room lead to a beautiful outdoor retreat featuring a heated pool with multicolor lighting and hot tub, surrounded by a large screened and fully pavered lanai. The fully fenced backyard offers privacy and plenty of space to enjoy the expansive lot. Additional features include two brand-new AC systems (2026), a water softner and mature palm trees border the property. Conveniently located near everything you need, the property is just 10 minutes to Advent Health, 12 minutes to HCA Hospital, and only 5 minutes to Publix grocery store, along with a variety of nearby shops, restaurants, and local plazas. Major roads and highways are also just a short drive away, making commuting simple and convenient. This exceptional home combines space, privacy, and the rare advantage of a private in-law suite, all in a desirable and convenient location.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,144

Sqft

0.64 ac

Lot size

3

Garage

2007

Year built

One

Levels

$254

Per sqft

Private poolNegotiablePets allowed

Inside

FlooringLaminate · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range Hood · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorFrench Doors · Irrigation System · Rain Gutters · Sidewalk · Sprinkler Metered

Community & fees

HOA fee$42/mo
Taxes (2025)$14,704/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Propane · Public · Sewer Connected · Sprinkler Meter · 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.

$6,038 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$1,225
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,900Loan30-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% · $79,900
Interest rate6.00%
Loan term

Estimated payment

$6,038/mo

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property taxes (actual bill)$1,225
HOA / condo fee$42
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 $799K
$626KedgeAI estimate $702,035 · range $652K$748K$831K

vs edgeAI estimate

+13.8%

$/sqft vs Valrico actives

$254 vs $218

Days on market

137 vs 34 typical

Where $254/sqft sits among the 193 Valrico actives

21
23
29
60
34
26 · this home
$145–166$166–187$187–208$208–229$229–250$250+

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 Emerald Creek

Map of 1022 EMERALD CREEK DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa27 min
Tampa Int’l Airport (TPA)39 min

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

Get to know Valrico. See the full Valrico guide →

Emerald Creek — neighborhood snapshot

Population

762

Median age

41

Median income

$141,120

Median home value

$362,400

Avg household

3

Households w/ children

83%

For the school run

Hillsborough County School District

ElementaryCimino Elementary School★★★★
HighBloomingdale High School★★★★
MiddleBurns Middle School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Valrico market

Seller’s marketLeans seller3.2 months of inventoryBuyer’s market

$445K$437K

Valrico median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

107 of 193

Valrico actives have cut their price

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

This home is listed 72% above the VALRICO 33596 median. See the full Valrico market guide →

Paper trail

This home's history

CurrentPrice reduced to $799,000 $51K
Mar 10, 2026Listed at $850,000 · 137 days on market since
2007Built · EMERALD CREEK

Reality check

What actually sold near 1022 EMERALD CREEK DRIVE

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

5918 WATERCOLOR DRIVESold · Jun ’26

$850,000

5918 WATERCOLOR DRIVE

4 bd · 3 ba · 3,149 sqft · $270/sqft · 3 DOM

5901 NATURE RIDGE LANESold · Apr ’26

$750,000

5901 NATURE RIDGE LANE

4 bd · 4 ba · 3,128 sqft · $240/sqft · 134 DOM

5728 WATERCOLOR DRIVESold · Jul ’25

$680,000

5728 WATERCOLOR DRIVE

4 bd · 3.5 ba · 3,117 sqft · $218/sqft · 37 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 1022 EMERALD CREEK DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1022 EMERALD CREEK 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.

Goes straight to David’s phone and CRM.

Straight answers

1022 EMERALD CREEK DRIVE FAQs

What would the monthly payment be for 1022 EMERALD CREEK DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,038/mo — principal and interest, the actual property-tax bill, the $42/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 1022 EMERALD CREEK DRIVE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1022 EMERALD CREEK DRIVE?+

The most recent tax bill on record (2025) was $14,704. 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 1022 EMERALD CREEK 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 Valrico?+

At $799,000, this home is listed about 68% above the Valrico median of $474,950. The market section on this page shows how the area is trending.

Which schools are assigned to 1022 EMERALD CREEK DRIVE?+

Cimino Elementary School (elementary), Bloomingdale High School (high), Burns Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough 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

$799,000 runs 72% above the VALRICO 33596 median — but at 3,144 sqft it's also 41% larger than the typical Valrico 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

137 days on market against a Valrico median of 34 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Cimino Elementary School, Bloomingdale High School, Burns Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Cimino Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $850,000, now $799,000 — a $51K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Rock Scaglione. MLS #TB8484278.

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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