9685 BRANCHING SHIP TRACE, WESLEY CHAPEL, FL, 33545
Active52 days on marketListed Jun 1, 2026MLS #TB8514102
About this home
9685 BRANCHING SHIP TRACE
Waterfront! Ponds in front and back, offering exceptional privacy in this 1,555 square feet, with 3 bedrooms and 2 bathrooms, Large kitchen with a large pantry that overlooks the family room, Owner's suite features an oversized walk in closet and his and her sinks. A 2-car garage provides convenience as well as additional storage. Covered front porch and Brick paver patio in back. Golf Cart Community with lots of amenities, including a lagoon with over 7 acres of clear blue waters made for swimming and sliding, playing and paddling! Playgrounds and Dog Parks. Close to all major Stores and Restaurants. Ultrafi high speed internet and cable channels 8ncluded with HOA
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,560
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$224
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.
$3,081 /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
$3,081/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
−1.3%
$/sqft vs Wesley Chapel actives
$224 vs $200
Days on market
52 vs 32 typical
Where $224/sqft sits among the 400 Wesley Chapel 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 Wesley Chapel
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
WESLEY CHAPEL 33545 — neighborhood snapshot
Population
27,536
Median age
35.1
Median income
$108,835
Median home value
$363,000
Avg household
3.3
Households w/ children
3,473
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wesley Chapel market
$440K → $435K
Wesley Chapel median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
205 of 400
Wesley Chapel actives have cut their price
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the WESLEY CHAPEL 33545 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
Reality check
What actually sold near 9685 BRANCHING SHIP TRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$355,900
9617 BRANCHING SHIP TRACE · same community
4 bd · 2 ba · 1,810 sqft · $197/sqft · 129 DOM
Sold · Feb ’26$395,000
9919 AQUA MILES PATH · same community
5 bd · 2.5 ba · 2,217 sqft · $178/sqft · 85 DOM
Sold · Jul ’26$395,000
9937 AQUA MILES PATH · same community
5 bd · 2.5 ba · 2,389 sqft · $165/sqft · 17 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 9685 BRANCHING SHIP TRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9685 BRANCHING SHIP TRACE — 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
9685 BRANCHING SHIP TRACE FAQs
What would the monthly payment be for 9685 BRANCHING SHIP TRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,081/mo — principal and interest, the actual property-tax bill, the $83/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 9685 BRANCHING SHIP TRACE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9685 BRANCHING SHIP TRACE?+
The most recent tax bill on record (2024) was $7,548. 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 9685 BRANCHING SHIP TRACE?+
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 Wesley Chapel?+
At $349,000, this home is listed about 20% below the Wesley Chapel median of $434,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9685 BRANCHING SHIP TRACE?+
Wesley Chapel Elementary School (elementary), Wesley Chapel High School (high), Thomas E. Weightman Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WESLEY CHAPEL 33545 market on paper
$349,000 is 15% below the WESLEY CHAPEL 33545 median of $412,450.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $365,000, now $349,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME SOLD REALTY LLC · Camilo Perez. MLS #TB8514102.
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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