David Ramirez
$749,900$799,9005 bd4 ba3,914 sqft$192 /sqft$5,248 /mo all-in ↓

10235 ESTUARY DRIVE, TAMPA, FL, 33647

Active88 days on marketListed May 6, 2026MLS #TB8505563

Reduced $50KSingle Family ResidenceARBOR GREENE PH 3 UNITS 3A

About this home

10235 ESTUARY DRIVE

One or more photo(s) has been virtually staged. Located in the exclusive gated village of Estuary within Arbor Greene, this Inland Homes Hermitage floor plan sits on a premium conservation homesite and delivers the space, layout, and privacy buyers are looking for in New Tampa. With 5 bedrooms, 4 full baths, and a 3-car garage, this two-story home offers over 3,900 square feet of well-designed living space. Soaring ceilings, formal living and dining rooms, and an open kitchen/family room layout create a natural flow for both everyday living and entertaining, with abundant natural light enhancing the home’s spacious feel. The kitchen features 42” maple cabinetry and solid surface countertops, providing ample storage and workspace while opening directly to the main living area—ideal for gatherings, family time, and day-to-day functionality. The primary suite is located on the first floor, offering privacy and convenience, while the second level is centered around a MASSIVE 20' x 30' bonus/game room. This oversized space goes far beyond a typical flex room and can easily serve as a media room, second living area, home office hub, or multi-generational retreat. Secondary bedrooms are generously sized and thoughtfully positioned for comfort and separation. Recent updates include luxury vinyl flooring in the living room, dining room, and all bedrooms, along with fresh interior paint in a clean, neutral palette that creates a move-in-ready feel. Major mechanical upgrades provide peace of mind, including two newer AC units (approximately 3 and 5 years old) and a water heater just 3 years old. The covered lanai overlooks a peaceful conservation setting, offering privacy and a natural backdrop rarely found at this price point. The oversized homesite provides additional flexibility and value, including the ability to install a 48” black wrought iron-style fenced yard—creating a true pet-friendly environment within a gated community without sacrificing the open view. There is also ample space to add a custom pool while still maintaining a functional, usable backyard. Additional features include natural gas for cooking, heating, and hot water, as well as access to Verizon fiber-optic infrastructure with the potential for ultra-high-speed internet—making this home well-suited for modern living, remote work, and smart home integration. The expansive backyard offers the perfect setting for a resort-style pool and outdoor living area. Best of all, the home is competitively priced to allow you to add your own backyard oasis while still remaining below the average recent sale price of comparable pool homes in this size range. Arbor Greene is one of New Tampa’s most established and sought-after master-planned communities, offering 24-hour manned gate security and a full suite of resort-style amenities. Residents enjoy multiple pools, a fitness center, tennis and pickleball courts, playgrounds, and miles of scenic walking trails set among mature landscaping, lakes, and conservation areas. The community clubhouse serves as a central hub for events and social gatherings, creating a strong neighborhood atmosphere. Conveniently located near top-rated schools, major hospitals, shopping, dining, and with easy access to I-75 and I-275, this home offers both everyday convenience and long-term value.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,914

Sqft

0.33 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$192

Per sqft

Garden & Park/Greenbelt & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Natural Gas

Outside & construction

RoofTile
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewGarden · Park/Greenbelt · Trees/Woods
FacesEast
ExteriorIrrigation System · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$8/mo
Taxes (2025)$9,025/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Fire Hydrant · Natural Gas Connected · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$5,248 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,046
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$752
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $74,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $74,990
Interest rate6.00%
Loan term

Estimated payment

$5,248/mo

Principal & interest$4,046
PMI (est., until 20% equity)$281
Property taxes (actual bill)$752
HOA / condo fee$8
Est. insurance$160

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.

$/sqft vs Tampa actives

$192 vs $300

Days on market

88 vs 33 typical

Where $192/sqft sits among the 400 Tampa actives

152 · this home
123
55
23
15
32
$153–264$264–376$376–487$487–598$598–709$709+

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 Arbor Greene

Map of 10235 ESTUARY DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)43 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

Arbor Greene — neighborhood snapshot

Population

3,372

Median age

45

Median income

$118,033

Median home value

$501,766

Avg household

3

Households w/ children

362

For the school run

Hillsborough County School District

MiddleBenito Middle School★★★★
ElementaryHunter's Green Elementary School★★★★
HighWharton High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$430K$455K

Tampa median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

183 of 400

Tampa actives have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 92% above the TAMPA 33647 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $749,900 $50K
May 6, 2026Listed at $799,900 · 88 days on market since
2004Built · ARBOR GREENE PH 3 UNITS 3A

Reality check

What actually sold near 10235 ESTUARY DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10130 DEERCLIFF DRIVESold · Sep ’25

$899,000

10130 DEERCLIFF DRIVE

6 bd · 3.5 ba · 3,957 sqft · $227/sqft · 75 DOM

Nearby listingSold · Sep ’25

$899,000

Nearby listing

5 bd · 3.5 ba · 3,957 sqft · $227/sqft · 0 DOM

10530 CANARY ISLE DRIVESold · Oct ’25

$750,000

10530 CANARY ISLE DRIVE

4 bd · 3.5 ba · 3,976 sqft · $189/sqft · 32 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10235 ESTUARY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10235 ESTUARY 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.

Goes straight to David’s phone and CRM.

Straight answers

10235 ESTUARY DRIVE FAQs

What would the monthly payment be for 10235 ESTUARY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,248/mo — principal and interest, the actual property-tax bill, the $8/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 10235 ESTUARY DRIVE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10235 ESTUARY DRIVE?+

The most recent tax bill on record (2025) was $9,025. 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 10235 ESTUARY 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 Tampa?+

At $749,900, this home is listed about 61% above the Tampa median of $464,900. The market section on this page shows how the area is trending.

Which schools are assigned to 10235 ESTUARY DRIVE?+

Benito Middle School (middle), Hunter's Green Elementary School (elementary), Wharton 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

Five things that matter here

01Positioned at the premium end

$749,900 runs 92% above the TAMPA 33647 median — but at 3,914 sqft it's also nearly 2 times the size of the typical Tampa listing.

02Garden & Park/Greenbelt & Trees/Woods views

The garden and park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

88 days on market against a Tampa median of 33 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Benito Middle School, Hunter's Green Elementary School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $799,900, now $749,900 — a $50K cut. The full history is in the market section below.

Listing courtesy of CORNERSTONE PROP.INTERNATIONAL · Steve Eckhardt. MLS #TB8505563.

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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