2907 BEAR OAK DRIVE, VALRICO, FL, 33594
Active120 days on marketListed Mar 26, 2026MLS #TB8490154
About this home
2907 BEAR OAK DRIVE
Exquisite Luxury Townhome in Oakwood Terrace – Valrico Experience refined Florida living in this impeccably maintained three-bedroom, two-and-a-half-bath luxury townhome, ideally situated within the highly sought-after Oakwood Terrace community in Valrico. Blending timeless elegance with modern comfort, this residence offers a sophisticated yet inviting atmosphere along picturesque, tree-lined streets. A charming front porch sets the tone for relaxed, upscale living, creating an inviting space to enjoy peaceful mornings or unwind with an evening cocktail. Inside, a thoughtfully designed open-concept floor plan is bathed in natural light, offering seamless transitions between the living, dining, and entertaining spaces. The kitchen serves as the heart of the home, beautifully appointed with rich maple cabinetry accented by crown molding, sleek Corian countertops, a spacious pantry, and an elevated breakfast bar that is perfect for both casual dining and hosting guests. Its open design overlooks the expansive living and dining areas, enhancing both flow and functionality. Sliding glass doors lead to a private rear patio overlooking tranquil conservation and serene pond views, offering a peaceful natural backdrop and a true sense of retreat. The owner’s suite is privately positioned to capture these calming views, creating a serene escape at the end of the day. The en-suite bath features a walk-in shower and refined finishes designed to provide both comfort and understated luxury. Upstairs, a versatile loft adds flexibility to the home, ideal for a private office, study, or additional lounge space. Throughout the residence, thoughtful upgrades and design details enhance the overall aesthetic, including ceramic tile flooring in the main living areas, maple cabinetry carried throughout the kitchen and bathrooms, designer nickel lighting fixtures, ceiling fans, modern black hardware, and classic six-panel interior doors. A well-appointed secondary bathroom offers a tub and shower combination, while the powder room features a full cabinet vanity with sink. Completing the home is a one-car garage and a charming Craftsman-style exterior that enhances its curb appeal. Residents of Oakwood Terrace enjoy a truly low-maintenance lifestyle with HOA services that include lawn care, landscaping, water, sewer, and trash, along with access to a beautifully maintained community pool. The neighborhood is both family- and dog-friendly, offering a welcoming environment to relax and enjoy the Florida sunshine. Ideally located just minutes from Tampa, this exceptional residence provides convenient access to premier dining, shopping, major highways, and Tampa International Airport, as well as Florida’s world-renowned Gulf Coast beaches, making it a perfect blend of luxury, comfort, and convenience. LOW HOA Fee's and No CDD Fee's.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,461
Sqft
0.03 ac
Lot size
1
Garage
2008
Year built
Two
Levels
$175
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.
$2,331 /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
$2,331/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
+16.1%
Days on market
120 vs 34 typical
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 Oakwood Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Oakwood Terrace — neighborhood snapshot
Population
1,659
Median age
59
Median income
$61,417
Median home value
$78,500
Avg household
2
Households w/ children
95%
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico market
$445K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
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 2907 BEAR OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2907 BEAR OAK 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
2907 BEAR OAK DRIVE FAQs
What would the monthly payment be for 2907 BEAR OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,331/mo — principal and interest, the actual property-tax bill, the $200/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 2907 BEAR OAK DRIVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2907 BEAR OAK DRIVE?+
The most recent tax bill on record (2025) was $4,289. 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 2907 BEAR OAK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $255,000, this home is listed about 46% below the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2907 BEAR OAK DRIVE?+
Buckhorn Elementary School (elementary), Mulrennan Middle School (middle), Durant 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
Four things that matter here
01Under the VALRICO 33594 market on paper
$255,000 is 38% below the VALRICO 33594 median of $409,950, and at $175/sqft it sits under the Valrico average of $217.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
120 days on market against a Valrico median of 34 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $275,000, now $255,000 — a $20K cut. The full history is in the market section below.
Listing courtesy of RE/MAX REALTY UNLIMITED · Jennifer Fieo. MLS #TB8490154.
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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