David Ramirez
$875,000$900,0004 bd3 ba3,784 sqft$231 /sqft$6,092 /mo all-in ↓

1009 EMERALD CREEK DRIVE, VALRICO, FL, 33596

Active32 days on marketListed Jun 23, 2026MLS #TB8521781

Reduced $25KPrivate poolSingle Family ResidenceEMERALD CREEK

Come see it

Upcoming open house

Sun, Jul 26

2:00 PM – 4:00 PM

About this home

1009 EMERALD CREEK DRIVE

ASSUMABLE VA LOAN @ 3.75% FOR QUALIFIED VA BUYERS -Hidden within the exclusive enclave of Emerald Creek, a boutique community of only 17 custom residences. Set among mature tropical landscaping and swaying palms, the property commands attention with its distinctive architecture, impeccable maintenance, and thoughtful updates throughout. Equally noteworthy is the significant investment made in the home's infrastructure and systems. Recent improvements include a new roof, three Carrier HVAC systems with transferable warranties, updated water purification equipment with reverse osmosis, new hurricane-rated windows and sliding glass doors throughout, new hurricane-rated front entry doors, upgraded pool heater and saltwater pool pump, irrigation enhancements, Leaf Filter gutter protection with a transferable lifetime warranty, updated bedroom flooring, and numerous additional improvements that reflect the exceptional care this property has received. Rich custom woodwork, handcrafted cherry and oak cabinetry, extensive millwork, soaring 12-foot ceilings, and architectural accents create a warm yet sophisticated atmosphere that is both elegant and inviting. Just off the foyer, two spacious front rooms provide incredible flexibility to suit your lifestyle. Whether envisioned as dual home offices, a formal dining room and private study, a music room, library, hobby space, or additional gathering areas, these versatile rooms can easily adapt to your needs. At the center of the home, the chef's kitchen was designed to impress, offering premium Viking appliances, including a gas range, dual oversized islands, abundant custom cabinetry, and a spacious walk-in pantry featuring handcrafted shelving. Whether hosting large gatherings or enjoying quiet evenings at home, the layout flows effortlessly into the surrounding living and entertaining spaces, where custom finishes and a striking double-sided fireplace create an unforgettable setting. The owner's retreat is a private haven, complete with a fireplace, dual walk-in closets, detailed crown molding, and a luxurious bath featuring an oversized tumbled marble shower. Three additional bedrooms provide comfortable accommodations, while the home's unique guest quarters offer exceptional flexibility. A wonderful feature of the home is the expansive Florida sunroom, complete with a full kitchen, living area, and dining space—creating the perfect setting for entertaining, holiday gatherings, game days, or simply enjoying Florida living year-round. Beyond, the property transforms into a resort-inspired retreat. A sparkling saltwater pool and heated spa are surrounded by lush landscaping, creating an atmosphere of complete privacy and relaxation. Integrated speaker wiring, security enhancements, and landscape lighting further enhance the outdoor living experience. A private irrigation well supports both the pool and the beautifully maintained grounds, providing an efficient and valuable resource for the property. The oversized three-car garage is equally impressive, offering extensive built-in storage, newer garage doors, and a custom staircase leading to substantial attic storage above. Ideally located near major commuter routes, premier golf courses, upscale shopping and dining, Tampa International Airport, and Florida's award-winning Gulf Coast beaches, this exceptional residence offers the perfect balance of privacy, convenience, and luxury living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,784

Sqft

0.44 ac

Lot size

3

Garage

2006

Year built

One

Levels

$231

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Water Filtration System
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Lighting · Private Entrance · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$42/mo
Taxes (2025)$10,083/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fire Hydrant · Phone Available · Public · Sewer Connected · Sprinkler Well · 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.

$6,092 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property tax — 2025 actual bill$840
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,500Loan30-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% · $87,500
Interest rate6.00%
Loan term

Estimated payment

$6,092/mo

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property taxes (actual bill)$840
HOA / condo fee$42
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.

List $875K
$483KedgeAI estimate $691,477 · range $503K$846K$910K

vs edgeAI estimate

+26.5%

$/sqft vs Valrico actives

$231 vs $218

Days on market

32 vs 34 typical

Where $231/sqft sits among the 194 Valrico actives

23
23
27
60
35 · this home
26
$145–166$166–187$187–208$208–229$229–250$250+

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 Emerald Creek

Map of 1009 EMERALD CREEK DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa24 min
Tampa Int’l Airport (TPA)37 min

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

Get to know Valrico. See the full Valrico guide →

Emerald Creek — neighborhood snapshot

Population

762

Median age

41

Median income

$141,120

Median home value

$362,400

Avg household

3

Households w/ children

83%

For the school run

Hillsborough County School District

ElementaryCimino Elementary School★★★★
HighBloomingdale High School★★★★
MiddleBurns Middle School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Valrico market

Seller’s marketLeans seller3.2 months of inventoryBuyer’s market

$445K$437K

Valrico median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

107 of 194

Valrico actives have cut their price

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

This home is listed 88% above the VALRICO 33596 median. See the full Valrico market guide →

Paper trail

This home's history

CurrentPrice reduced to $875,000 $25K
Jun 23, 2026Listed at $900,000 · 32 days on market since
2006Built · EMERALD CREEK

Reality check

What actually sold near 1009 EMERALD CREEK DRIVE

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

10129 PADDOCK OAKS DRIVESold · Dec ’25

$700,000

10129 PADDOCK OAKS DRIVE

4 bd · 3.5 ba · 3,507 sqft · $200/sqft · 62 DOM

5909 JASPER GLEN DRIVESold · Mar ’26

$670,000

5909 JASPER GLEN DRIVE

4 bd · 3.5 ba · 3,212 sqft · $209/sqft · 2 DOM

5901 NATURE RIDGE LANESold · Apr ’26

$750,000

5901 NATURE RIDGE LANE

4 bd · 4 ba · 3,128 sqft · $240/sqft · 134 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 1009 EMERALD CREEK 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 1009 EMERALD CREEK 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

1009 EMERALD CREEK DRIVE FAQs

What would the monthly payment be for 1009 EMERALD CREEK DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,092/mo — principal and interest, the actual property-tax bill, the $42/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 1009 EMERALD CREEK DRIVE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1009 EMERALD CREEK DRIVE?+

The most recent tax bill on record (2025) was $10,083. 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 1009 EMERALD CREEK 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 Valrico?+

At $875,000, this home is listed about 84% above the Valrico median of $474,950. The market section on this page shows how the area is trending.

Which schools are assigned to 1009 EMERALD CREEK DRIVE?+

Cimino Elementary School (elementary), Bloomingdale High School (high), Burns Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$875,000 runs 88% above the VALRICO 33596 median — but at 3,784 sqft it's also 69% larger than the typical Valrico listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Cimino Elementary School, Bloomingdale High School, Burns Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Cimino Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $900,000, now $875,000 — a $25K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Brenda Wade. MLS #TB8521781.

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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