12304 STIRRUP DRIVE, DADE CITY, FL, 33525
Active72 days on marketListed May 14, 2026MLS #TB8508778
About this home
12304 STIRRUP DRIVE
Under Construction. New Construction Home by M/I Homes in Hilltop Point. Popular Elmhurst Bonus floorplan, elevation B. Discover this stunning new construction home located at 12304 Stirrup Drive in Dade City, Florida. Built by M/I Homes, this thoughtfully designed 4-bedroom, 3-bathroom home offers 3,108 square feet of comfortable living space, featuring an open-concept design that's perfect for daily life and entertaining. The home's floorplan includes: 4 spacious bedrooms with the owner's bedroom conveniently located on the main level, 3 full bathrooms throughout the home, Open-concept living space that seamlessly connects main gathering areas, 3,108 square feet of thoughtfully designed interior space. This new construction home showcases quality design elements and craftsmanship that M/I Homes is known for delivering. The open-concept living area creates an inviting atmosphere where family and friends can gather comfortably. With the owner's bedroom positioned on the main level, this home offers convenient single-story living while providing ample space for family or guests in the additional bedrooms. The 3 full bathrooms ensure comfort and convenience for all residents. The neighborhood offers excellent proximity to local parks, providing convenient access to outdoor recreation and green spaces for active lifestyles. The area's quality of design is evident throughout the community, creating an appealing environment for homeowners. *Photos shown are for representation purposes only and may not depict the actual home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,108
Sqft
0.16 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$128
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.
$3,309 /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
$3,309/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
−23.9%
$/sqft vs HILLTOP POINT
$128 vs $142
Days on market
72 vs 28 typical
Where $128/sqft sits among the 16 homes for sale in HILLTOP POINT
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 Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33525 — neighborhood snapshot
Population
20,220
Median age
44.2
Median income
$69,697
Median home value
$228,700
Avg household
2.57
Households w/ children
2,084
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
12 of 16
HILLTOP POINT have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the DADE CITY 33525 median. See the full Dade City market guide →
Paper trail
This home's history
Reality check
What actually sold near 12304 STIRRUP DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$370,000
38293 PALOMINO DRIVE · same community
6 bd · 3 ba · 3,041 sqft · $122/sqft · 11 DOM
Sold · Jan ’26$381,000
11815 HILLTOP FARMS DRIVE · same community
4 bd · 3 ba · 2,980 sqft · $128/sqft · 90 DOM
Sold · Jul ’26$414,140
12182 STIRRUP DRIVE · same community
4 bd · 3 ba · 2,980 sqft · $139/sqft · 155 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 12304 STIRRUP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12304 STIRRUP 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
12304 STIRRUP DRIVE FAQs
What would the monthly payment be for 12304 STIRRUP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,309/mo — principal and interest, the actual property-tax bill, the $14/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 12304 STIRRUP DRIVE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12304 STIRRUP DRIVE?+
The most recent tax bill on record (2026) was $7,300. 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 12304 STIRRUP 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 Dade City?+
At $399,190, this home is listed about 2% above the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12304 STIRRUP DRIVE?+
Pasco High School (high), Pasco Middle School (middle), San Antonio Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of M/I HOMES · Marshall Gray. MLS #TB8508778.
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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