
3435 CASTLE STONE COURT, VALRICO, FL, 33594
Active101 days on marketListed Apr 29, 2026MLS #TB8499420
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About this home
3435 CASTLE STONE COURT
**100% Financing with NO Private Mortgage Insurance Available!** Welcome to 3435 Castle Stone Ct, a 3-bedroom, 2.5-bath end-unit townhome in Kings Mill, a gated townhome community in Valrico with a pool. With 1,408 square feet, a new roof in 2025, Flood Zone X designation with no required flood insurance, no CDD fees, and a $400/month HOA that includes exterior maintenance, water, sewer, trash, community pool access and a master insurance policy (this means you’ll only need an inexpensive interior homeowner’s insurance policy!) this home offers a strong value in a convenient suburban Tampa location. Meticulously maintained, carefully cared for, and thoughtfully refreshed, the home is move-in ready with updates that are easy to see. Fresh interior paint, new plush carpet, updated light fixtures, and updated ceiling fans create a clean, comfortable feel throughout. The kitchen features warm maple cabinetry, granite countertops, a new composite sink with updated faucet, a pantry, and an additional storage closet for everyday organization. The floor plan is practical and well suited for everyday living, with the main living areas downstairs and all bedrooms located upstairs. The upstairs laundry space adds convenience, and the newer washer and dryer are included. With 3 bedrooms and 2.5 baths, the layout offers useful separation between shared living areas and private rooms. As an end unit, the home benefits from extra windows, more natural light, added green space, and a more open feel than many interior townhomes. Sliding glass doors lead to a private patio, creating an easy outdoor extension for morning coffee, quiet evenings, or a small seating area. The home is also set on one of the more spacious lots in the community, adding to its sense of privacy and outdoor usability. Key practical updates and ownership details include a new roof in 2025, a water heater replaced in 2016, a new dishwasher, Flood Zone X designation with no required flood insurance, no CDD fees, and a $400/month HOA that includes exterior maintenance, trash, water, sewer, master insurance policy, gated entry, and community pool access. Valrico is a well-positioned east Hillsborough County community for buyers who want suburban convenience with highly rated schools as well as access to the broader Tampa Bay and Central Florida corridor. The sought after ocation places you near Brandon, Plant City, Lakeland, Tampa, shopping, dining, and commuter routes, making it a practical home base for work, errands, weekends, and everyday living. Schedule your private showing to see how this refreshed end-unit townhome combines location, updates, outdoor space, and low-maintenance living in Valrico.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,408
Sqft
0.03 ac
Lot size
2006
Year built
Two
Levels
$138
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.
$1,923 /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
$1,923/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
−9.7%
$/sqft vs Valrico actives
$138 vs $214
Days on market
101 vs 32 typical
Where $138/sqft sits among the 195 Valrico 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 Kings Mill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Kings Mill — neighborhood snapshot
Population
1,403
Median age
40
Median income
$79,722
Median home value
$307,800
Avg household
3
Households w/ children
148
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
$450K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
103 of 195
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3435 CASTLE STONE COURT
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$185,000
3455 CASTLE STONE COURT · same community
3 bd · 2.5 ba · 1,408 sqft · $131/sqft · 40 DOM
Sold · Aug ’25$220,000
3406 DRAGON VIEW COURT · same community
3 bd · 2.5 ba · 1,408 sqft · $156/sqft · 7 DOM
Sold · Nov ’25$228,000
3433 DRAGON VIEW COURT · same community
3 bd · 2.5 ba · 1,560 sqft · $146/sqft · 399 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 3435 CASTLE STONE COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3435 CASTLE STONE COURT — 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
3435 CASTLE STONE COURT FAQs
What would the monthly payment be for 3435 CASTLE STONE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,923/mo — principal and interest, the actual property-tax bill, the $400/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 3435 CASTLE STONE COURT?+
The association fee works out to $400 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3435 CASTLE STONE COURT?+
The most recent tax bill on record (2025) was $1,550. 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 3435 CASTLE STONE COURT?+
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 $195,000, this home is listed about 59% below the Valrico median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3435 CASTLE STONE COURT?+
Mulrennan Middle School (middle), Nelson Elementary School (elementary), 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
Three things that matter here
01Under the VALRICO 33594 market on paper
$195,000 is 54% below the VALRICO 33594 median of $422,450, and at $138/sqft it sits under the Valrico average of $215.
02Time on market is leverage
101 days on market against a Valrico median of 32 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $225,000, now $195,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Chrissy Nieves, PA. MLS #TB8499420.
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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