1413 TROPICAL OASIS AVENUE, PLANT CITY, FL, 33565
Active66 days on marketListed Jun 8, 2026MLS #TB8516751
About this home
1413 TROPICAL OASIS AVENUE
Built in 2023 and better than new, this beautifully upgraded 4 bedroom, 2.5 bath home offers over 2,000 square feet of thoughtfully designed living space with a 2 car garage and one of the most desirable WATERFRONT homesites in the community. Wake up to breathtaking views of the community lake from your backyard and enjoy peaceful sunsets from your own private retreat. Inside, you'll find upgrades that go beyond the builder-grade finishes, creating a home that is truly move-in ready. The kitchen and living spaces flow seamlessly for everyday living and entertaining, while a whole-home WATER SOFTENER provides added comfort and convenience. The community offers an exceptional lifestyle with RESORT STYLE AMENITIES including a sparkling pool, clubhouse, pickleball courts, basketball courts, parks, playgrounds, scenic walking trails, expansive green spaces, and a kayak launch providing direct access to the community lake. Conveniently located just 1.5 miles from South Florida Baptist Hospital, less than 10 minutes from historic Downtown Plant City, under 20 minutes from Downtown Lakeland, and less than 30 minutes from Downtown Tampa, this home offers the perfect balance of peaceful waterfront living and easy access to shopping, dining, healthcare, and entertainment. Why wait to build when you can enjoy a like-new home with premium upgrades, stunning water views, and an unbeatable location today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,035
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$197
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.
$3,332 /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
$3,332/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
+15.2%
$/sqft vs Plant City actives
$197 vs $213
Days on market
66 vs 53 typical
Where $197/sqft sits among the 269 Plant City 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 Plant City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Plant City. See the full Plant City guide →
PLANT CITY 33565 — neighborhood snapshot
Population
17,716
Median age
43.6
Median income
$67,403
Median home value
$237,600
Avg household
2.81
Households w/ children
1,795
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Plant City market
$357K → $354K
Plant City median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
154 of 269
Plant City actives have cut their price
Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the PLANT CITY 33565 median. See the full Plant City market guide →
Paper trail
This home's history
Reality check
What actually sold near 1413 TROPICAL OASIS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$340,000
3511 COASTAL DUSK DRIVE · same community
4 bd · 2 ba · 1,935 sqft · $176/sqft · 20 DOM
Sold · Aug ’26$445,000
3818 N MARYLAND AVENUE · same community
4 bd · 3 ba · 2,486 sqft · $179/sqft · 17 DOM
Sold · Feb ’26$440,000
3615 N MARYLAND AVENUE · same community
4 bd · 2.5 ba · 3,078 sqft · $143/sqft · 110 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 1413 TROPICAL OASIS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1413 TROPICAL OASIS AVENUE — 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
1413 TROPICAL OASIS AVENUE FAQs
What would the monthly payment be for 1413 TROPICAL OASIS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,332/mo — principal and interest, the actual property-tax bill, the $9/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 1413 TROPICAL OASIS AVENUE?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1413 TROPICAL OASIS AVENUE?+
The most recent tax bill on record (2025) was $7,571. 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 1413 TROPICAL OASIS AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 Plant City?+
At $399,999, this home is priced right at the Plant City median.
Which schools are assigned to 1413 TROPICAL OASIS AVENUE?+
Knights Elementary School (elementary), Marshall Middle Magnet School (middle), Plant City 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
Three things that matter here
01Under the PLANT CITY 33565 market on paper
$399,999 is 6% below the PLANT CITY 33565 median of $427,495, and at $197/sqft it sits under the Plant City average of $241.
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 $420,000, now $399,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Peyton Stanton. MLS #TB8516751.
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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