10687 LAKE MONTAUK DRIVE, RIVERVIEW, FL, 33578
Active141 days on marketListed Mar 17, 2026MLS #TB8486824
About this home
10687 LAKE MONTAUK DRIVE
One or more photo(s) has been virtually staged. THIS HOME is RENT TO OWN financing Eligible! PRICE IMPROVEMENT! Now offered at $275K. Welcome home, a quiet gated community in Riverview Lakes. This lovely and well maintained 3 bedroom, 2.5 bathroom townhome with a spacious upstairs loft offers the ideal layout for first-time buyers, growing families, or anyone looking for low maintenance Florida living. Step inside and you are immediately welcomed by a bright, open floor plan designed for everyday comfort and effortless entertaining. The main living area features durable tile flooring and an inviting layout that flows seamlessly from the living room to the kitchen and dining space. The kitchen is both stylish and functional, featuring rich wood cabinetry, a large center island with bar seating, sleek countertops, and a generous walk-in pantry for extra storage. Whether you're hosting friends or enjoying a quiet dinner at home, this space was designed to bring loves one together. A convenient half bath on the first floor adds practicality for guests. Upstairs, a large loft provides flexible living space that can easily serve as a home office, media room, play area, or reading nook. The private primary suite tucked away from the secondary bedrooms, creating a peaceful retreat at the end of the day. The primary bedroom includes a large walk-in closet and a spacious en-suite bath with double vanity and walk-in shower. Two additional bedrooms share a full bathroom and comfortable space for family or guests. An upstairs laundry room adds everyday convenience. Enjoy Florida living outdoors on the screened-in lanai, perfect for morning coffee, relaxing evenings, or weekend grilling. With no rear neighbors, you can enjoy added privacy and peaceful views. Residents of Riverview Lakes enjoy a welcoming community atmosphere with amenities including a community dock for fishing and sunset views, scenic walking areas, and dog-friendly spaces. The HOA includes WATER service and there are no CDD fees, helping keep monthly expenses manageable. Located just minutes from shopping, restaurants, grocery stores, and everyday conveniences, this home also offers easy access to US-301, I-75, Tampa, MacDill Air Force Base, and the Gulf Coast beaches. Nearby outdoor recreation includes boating on the Alafia River, parks, and walking trails. If you have been searching for a move-in ready townhome that combines space, comfort, and a fantastic location, to welcome your home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,928
Sqft
0.05 ac
Lot size
1
Garage
2018
Year built
Two
Levels
$143
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.
$2,609 /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
$2,609/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
+1.3%
$/sqft vs Riverview actives
$143 vs $184
Days on market
141 vs 41 typical
Where $143/sqft sits among the 400 Riverview 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 Riverview
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Riverview. See the full Riverview guide →
RIVERVIEW 33578 — neighborhood snapshot
Population
58,474
Median age
35
Median income
$80,223
Median home value
$298,000
Avg household
2.45
Households w/ children
7,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Riverview market
$394K → $370K
Riverview median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
209 of 400
Riverview actives have cut their price
Median sold price, Riverview, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the RIVERVIEW 33578 median. See the full Riverview market guide →
Paper trail
This home's history
Reality check
What actually sold near 10687 LAKE MONTAUK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$300,000
10439 LAKE MONTAUK DRIVE · same community
3 bd · 2.5 ba · 1,928 sqft · $156/sqft · 3 DOM
Sold · Jun ’26$252,500
10644 LAKE MONTAUK DRIVE · same community
3 bd · 2.5 ba · 1,928 sqft · $131/sqft · 175 DOM
Sold · Oct ’25$300,506
10658 LAKE MONTAUK DRIVE · same community
3 bd · 2.5 ba · 1,884 sqft · $160/sqft · 6 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 10687 LAKE MONTAUK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10687 LAKE MONTAUK 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
10687 LAKE MONTAUK DRIVE FAQs
What would the monthly payment be for 10687 LAKE MONTAUK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,609/mo — principal and interest, the actual property-tax bill, the $318/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 10687 LAKE MONTAUK DRIVE?+
The association fee works out to $318 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10687 LAKE MONTAUK DRIVE?+
The most recent tax bill on record (2025) was $4,690. 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 10687 LAKE MONTAUK DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 Riverview?+
At $275,000, this home is listed about 29% below the Riverview median of $385,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10687 LAKE MONTAUK DRIVE?+
Sessums Elementary School (elementary), Rodgers Middle Magnet School (middle), Spoto High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the RIVERVIEW 33578 market on paper
$275,000 is 4% below the RIVERVIEW 33578 median of $286,000, and at $143/sqft it sits under the Riverview average of $195.
02Time on market is leverage
141 days on market against a Riverview median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,999, now $275,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · WANDY GARCIA, X LLC. MLS #TB8486824.
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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