5104 WHISPERING LEAF TRAIL, VALRICO, FL, 33596
Active106 days on marketListed Apr 8, 2026MLS #TB8493213
About this home
5104 WHISPERING LEAF TRAIL
Welcome to this beautifully maintained home in the highly sought-after Twin Lakes community, where space, comfort, and thoughtful updates come together seamlessly. Situated on an expansive nearly half-acre lot, this 4-bedroom, 2.5-bath pool home provides the perfect blend of functionality and charm. Step inside the two-story layout and immediately notice the abundance of natural light that fills the home, creating a bright and inviting atmosphere. At the front, the formal living and dining rooms create an elegant introduction—ideal for entertaining guests or hosting special gatherings.The heart of the home is the spacious, newly updated kitchen, designed to flow effortlessly into the family room. Featuring stunning Silestone quartz countertops, ample workspace, updated cabinetry, and a functional layout, this kitchen is as beautiful as it is practical. Just beyond, the cozy family room is anchored by a charming fireplace, creating a warm and welcoming space perfect for relaxing evenings or lively get-togethers. A versatile bonus room creates a private retreat that can easily adapt to your needs—whether as a home office, media room, game room, or creative space. Its tucked-away location provides a quiet escape from the main living areas. Upstairs, all bedrooms are thoughtfully arranged for comfort and privacy. The secondary bedrooms are generously sized, while the primary suite serves as a true retreat, providing space for a sitting area and a well-appointed en-suite bath designed for relaxation. Step outside to your private backyard oasis, where a sparkling pool takes center stage—perfect for enjoying warm Florida days. The expansive yard presents endless possibilities and sets this home apart with its rare combination of space and privacy. Additional upgrades ensure peace of mind, including a new roof (2023), HVAC system (2020), gas water heater (2021), and updated appliances (2020). The primary bathroom has also been beautifully refreshed with a new tile shower and tub (2026). Don’t miss the opportunity to make this exceptional property your next home—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,790
Sqft
0.48 ac
Lot size
3
Garage
2002
Year built
Two
Levels
$231
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.
$4,408 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,408/mo
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.
vs edgeAI estimate
Right at the estimate
Days on market
106 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 Twin Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Twin Lakes — neighborhood snapshot
Population
1,260
Median age
47
Median income
$143,621
Median home value
$466,300
Avg household
3
Households w/ children
149
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 37% above the VALRICO 33596 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 5104 WHISPERING LEAF TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5104 WHISPERING LEAF TRAIL — 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
5104 WHISPERING LEAF TRAIL FAQs
What would the monthly payment be for 5104 WHISPERING LEAF TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,408/mo — principal and interest, the actual property-tax bill, the $101/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 5104 WHISPERING LEAF TRAIL?+
The association fee works out to $101 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5104 WHISPERING LEAF TRAIL?+
The most recent tax bill on record (2025) was $5,101. 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 5104 WHISPERING LEAF TRAIL?+
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 $645,000, this home is listed about 36% above the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5104 WHISPERING LEAF TRAIL?+
Lithia Springs Elementary School (elementary), Newsome High School (high), Randall 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
$645,000 runs 37% above the VALRICO 33596 median — but at 2,790 sqft it's also 25% 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
106 days on market against a Valrico median of 34 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lithia Springs Elementary School, Newsome High School, Randall Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Lithia Springs Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $695,000, now $645,000 — a $50K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER REALTY · Carol Romeo. MLS #TB8493213.
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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