10945 SUBTLE TRAIL DRIVE, RIVERVIEW, FL, 33569
Active85 days on marketListed Apr 27, 2026MLS #TB8502390
About this home
10945 SUBTLE TRAIL DRIVE
Located on a quiet cul-de-sac in the highly desirable South Fork community, this spacious 4-bedroom, 3-bath home offers over 3,100 sq ft of flexible living space designed for both everyday living and entertaining. Inside, you’ll find an open, functional layout with expansive living and dining areas, a large kitchen with breakfast bar and dinette, and a versatile first-floor den that can easily serve as a home office or potential fifth bedroom. Upstairs features generously sized bedrooms including a spacious primary suite with ample closet space. Step outside to a private, fenced backyard with room to relax, play, or create your ideal outdoor space. Ideally located within close proximity to the community pool, playground, and tennis courts, this home offers both comfort and convenience. Complete with a two-car garage, interior laundry, and low HOA, this is an excellent opportunity in one of Riverview’s most established communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,149
Sqft
0.16 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$132
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.
$3,492 /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
$3,492/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
−17.6%
$/sqft vs SOUTH FORK UNIT 3
$132 vs $166
Days on market
85 vs 33 typical
Where $132/sqft sits among the 6 homes for sale in SOUTH FORK UNIT 3
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 South Fork
Get to know Riverview. See the full Riverview guide →
South Fork — neighborhood snapshot
Population
6,365
Median age
38
Median income
$106,681
Median home value
$315,410
Avg household
3
Households w/ children
1,013
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
$397K → $369K
Riverview median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
5 of 6
SOUTH FORK UNIT 3 have cut their price
Median sold price, Riverview, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the RIVERVIEW 33569 median. See the full Riverview market guide →
Paper trail
This home's history
Reality check
What actually sold near 10945 SUBTLE TRAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$325,000
10812 AUSTRALIAN PINE DRIVE · same community
3 bd · 2 ba · 1,877 sqft · $173/sqft · 7 DOM
Sold · Jun ’26$340,000
10920 SUBTLE TRAIL DRIVE · same community
3 bd · 2 ba · 1,695 sqft · $201/sqft · 85 DOM
Sold · Jan ’26$430,000
10106 COUNT FLEET DRIVE
5 bd · 3 ba · 3,218 sqft · $134/sqft · 222 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 10945 SUBTLE TRAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10945 SUBTLE TRAIL 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
10945 SUBTLE TRAIL DRIVE FAQs
What would the monthly payment be for 10945 SUBTLE TRAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,492/mo — principal and interest, the actual property-tax bill, the $37/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 10945 SUBTLE TRAIL DRIVE?+
The association fee works out to $37 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10945 SUBTLE TRAIL DRIVE?+
The most recent tax bill on record (2025) was $8,024. 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 10945 SUBTLE TRAIL 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 Riverview?+
At $415,000, this home is listed about 7% above the Riverview median of $389,250. The market section on this page shows how the area is trending.
Which schools are assigned to 10945 SUBTLE TRAIL DRIVE?+
Summerfield Crossings Elementary School (elementary), East Bay 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.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Sandi McGlathery. MLS #TB8502390.
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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