
1009 EMERALD CREEK DRIVE, VALRICO, FL, 33596
Active32 days on marketListed Jun 23, 2026MLS #TB8521781
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
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.
$6,092 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,092/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico 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
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.
Sold · Dec ’25$700,000
10129 PADDOCK OAKS DRIVE
4 bd · 3.5 ba · 3,507 sqft · $200/sqft · 62 DOM
Sold · Mar ’26$670,000
5909 JASPER GLEN DRIVE
4 bd · 3.5 ba · 3,212 sqft · $209/sqft · 2 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1009 EMERALD CREEK DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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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