3316 PINE TOP DRIVE, VALRICO, FL, 33594
Active22 days on marketListed Jul 1, 2026MLS #TB8522806
About this home
3316 PINE TOP DRIVE
Welcome to 3316 Pine Top Drive, a beautifully appointed 3-bedroom, 2.5-bathroom pool home offering just over 1,700 square feet of living space in the sought-after Somerset community of Valrico. From the moment you step through the front door, soaring ceilings and an open-concept layout create a grand, airy atmosphere that flows effortlessly through the main living and dining areas. The kitchen impresses with generous cabinetry, abundant countertop space, a walk-in pantry, and a glass sliding door that opens directly to your private outdoor oasis. The main-floor primary suite offers a peaceful retreat complete with an ensuite bath, while a convenient powder room serves guests on the main level. Upstairs, a spacious loft and two additional bedrooms with a full bath provide the perfect secondary living space for family, play, or relaxation. Outside, a sparkling pool and Jacuzzi set the stage for true Florida resort-style living, complemented by a dedicated pet-friendly green area, a side yard grilling space, and a fully fenced backyard designed for year-round enjoyment. The attached 2-car garage adds the everyday convenience and storage that every household needs. Located minutes from premier shopping, dining, Brandon Town Center, downtown Tampa, MacDill Air Force Base, and Gulf Coast beaches, this home places you at the center of everything the greater Tampa Bay area has to offer. Somerset is one of Valrico's most established and beloved communities, known for its neighborhood amenities and family-friendly atmosphere. Do not miss your opportunity to own this exceptional home — schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,752
Sqft
0.16 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$225
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.
$3,214 /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
$3,214/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.
$/sqft vs Valrico actives
$225 vs $218
Days on market
22 vs 34 typical
Where $225/sqft sits among the 193 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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$40,005/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,300/mo median
Live Valrico rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening45%
Occupancy
▼ 24% yr/yr
$189
Avg nightly rate
▼ 16% yr/yr
$20K/yr
Revenue per listing
$97
RevPAR
29 days
Booking lead time
6.6 nights
Avg stay
5
Typical min nights
28
Active rentals
▲ 71% supply
Seasonality — monthly occupancy
Peaks at 61% in Apr · bottoms at 26% in Aug
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Somerset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Somerset is a short-term-rental community. See the full guide →
Somerset — neighborhood snapshot
Population
1,623
Median age
40
Median income
$96,090
Median home value
$380,252
Avg household
3
Households w/ children
216
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)
106 of 193
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3316 PINE TOP DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$330,000
3314 PINE TOP DRIVE · same community
4 bd · 3 ba · 1,833 sqft · $180/sqft · 78 DOM
Sold · Dec ’25$405,000
3407 PINE TOP DRIVE · same community
3 bd · 2 ba · 2,200 sqft · $184/sqft · 114 DOM
Sold · Jul ’25$360,000
4514 ARIZONA SUN COURT
3 bd · 2 ba · 1,745 sqft · $206/sqft · 23 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 3316 PINE TOP DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3316 PINE TOP 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
3316 PINE TOP DRIVE FAQs
What would the monthly payment be for 3316 PINE TOP DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,214/mo — principal and interest, the actual property-tax bill, the $53/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 3316 PINE TOP DRIVE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3316 PINE TOP DRIVE?+
The most recent tax bill on record (2025) was $6,012. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3316 PINE TOP DRIVE be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3316 PINE TOP DRIVE?+
The listing reports pets: Breed Restrictions, 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 $395,000, this home is listed about 17% below the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3316 PINE TOP DRIVE?+
Mulrennan Middle School (middle), Nelson Elementary School (elementary), Durant 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 VALRICO 33594 market on paper
$395,000 is 4% below the VALRICO 33594 median of $409,950.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
Keep looking
Similar homes nearby
Listing courtesy of JACOBS REALTY GROUP LLC · Joy Jacobs. MLS #TB8522806.
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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