8406 HARDY BAY LOOP, WESLEY CHAPEL, FL, 33545
Active48 days on marketListed Jun 5, 2026MLS #TB8515248
About this home
8406 HARDY BAY LOOP
Beautiful 4-bedroom, 2.5-bath DR Horton Elston model located in the highly desirable Epperson community in Wesley Chapel. This two-story home offers an open floor plan, spacious kitchen with island, large living and dining areas, and a generous primary suite. Enjoy resort-style living with access to the Crystal Lagoon, walking trails, parks, golf cart paths, and high-speed UltraFi internet included with HOA. Conveniently located near shopping, restaurants, schools, and major highways. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,260
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$190
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.
$3,836 /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
$3,836/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
+7.1%
Days on market
48 vs 32 typical
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 Epperson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
Epperson — neighborhood snapshot
Population
3,917
Median age
31
Median income
$131,369
Median home value
$397,700
Avg household
4
Households w/ children
454
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)
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the WESLEY CHAPEL 33545 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
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 8406 HARDY BAY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8406 HARDY BAY LOOP — 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
8406 HARDY BAY LOOP FAQs
What would the monthly payment be for 8406 HARDY BAY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,836/mo — principal and interest, the actual property-tax bill, the $261/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 8406 HARDY BAY LOOP?+
The association fee works out to $261 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8406 HARDY BAY LOOP?+
The most recent tax bill on record (2025) was $8,330. 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 8406 HARDY BAY LOOP?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $429,900, this home is listed about 1% 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 8406 HARDY BAY LOOP?+
Wesley Chapel High School (high), Thomas E. Weightman Middle School (middle), Watergrass Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of HOMETRUST REALTY GROUP · Daith Gonzalez. MLS #TB8515248.
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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