440 WESTCHESTER HILLS LANE, VALRICO, FL, 33594
Active27 days on marketListed Jul 15, 2026MLS #TB8522179
About this home
440 WESTCHESTER HILLS LANE
Welcome to Crosby Crossings! This lovingly maintained 4 bedroom, 2.5 bathroom home, plus a spacious loft home offers 2,959 heated sq ft of living space! Step inside to discover elegant tray ceilings that enhance the entryway, formal dining room, and primary suite, adding elegance throughout. The formal dining room is situated at the front of the home, creating the perfect space for hosting gatherings and special occasions. Further inside, the spacious kitchen serves as the heart of the home, featuring granite countertops, stainless steel appliances, abundant cabinet space, and a separate dining area for casual meals. The kitchen overlooks the expansive great room, creating an open and inviting layout. Conveniently located on the first floor, the primary suite provides a private retreat complete with a large walk-in closet and an ensuite bathroom featuring a dual sink vanity, relaxing soaking tub, and walk-in shower. A half bathroom is also located downstairs for guests. Upstairs, you'll find three additional bedrooms and a spacious loft area that offers endless possibilities as a media room, home office, or secondary living space. Step outside to enjoy the covered patio, an ideal spot for morning coffee, evening relaxation, or outdoor dining. Located just minutes from shopping, dining, entertainment, and major roadways, making commuting and daily errands a breeze. Schedule your private tour today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,959
Sqft
0.13 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$145
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
−14.2%
$/sqft vs Valrico actives
$145 vs $214
Days on market
27 vs 33 typical
Where $145/sqft sits among the 199 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 Crosby Crossings
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Crosby Crossings — neighborhood snapshot
Population
955
Median age
40
Median income
$79,722
Median home value
$307,800
Avg household
3
Households w/ children
121
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
$450K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
108 of 199
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 440 WESTCHESTER HILLS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$455,000
471 WESTCHESTER HILLS LANE · same community
5 bd · 3 ba · 3,159 sqft · $144/sqft · 28 DOM
Sold · Jan ’26$475,000
2525 CROSS MORE STREET · same community
3 bd · 2.5 ba · 2,463 sqft · $193/sqft · 32 DOM
Sold · May ’26$364,000
211 WESTCHESTER HILLS LANE · same community
3 bd · 2 ba · 1,981 sqft · $184/sqft · 2 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 440 WESTCHESTER HILLS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 440 WESTCHESTER HILLS LANE — 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
440 WESTCHESTER HILLS LANE FAQs
What would the monthly payment be for 440 WESTCHESTER HILLS LANE?+
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 $48/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 440 WESTCHESTER HILLS LANE?+
The association fee works out to $48 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 440 WESTCHESTER HILLS LANE?+
The most recent tax bill on record (2025) was $4,902. 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 440 WESTCHESTER HILLS LANE?+
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 $429,000, this home is listed about 9% below the Valrico median of $474,000. The market section on this page shows how the area is trending.
Which schools are assigned to 440 WESTCHESTER HILLS LANE?+
Valrico Elementary School (elementary), Mann Middle School (middle), Brandon 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.
Keep looking
Similar homes nearby
Listing courtesy of GREEN STAR REALTY, INC. · Levi Stubbs. MLS #TB8522179.
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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