
1128 LUMSDEN TRACE CIRCLE, VALRICO, FL, 33594
Active28 days on marketListed Jun 26, 2026MLS #TB8523263
About this home
1128 LUMSDEN TRACE CIRCLE
This exceptional home checks every box - 4 bedrooms, den/office, bonus room, 3 full baths, 3-car garage and an expansive screened lanai. This home combines generous living spaces with countless upgrades that showcase quality, comfort and style at every turn. Enter through the elegant stained-glass double doors into the foyer which opens to the formal living and dining rooms. Just beyond, the spacious family room opens to the kitchen, offering a seamless space designed for gathering and entertaining. The original lanai has been completely enclosed to further extend the home’s living space. The spectacular gourmet kitchen is truly the centerpiece of the home and has been thoughtfully redesigned and remodeled with attention to every detail. The most discerning chef will love the massive 8’x6’ granite island with breakfast bar seating, custom 42” wood cabinetry with pull-out shelving and full-extension drawers, top-of-the-line stainless steel appliances, reverse osmosis water system with instant hot water, upgraded fixtures, and beautiful slate-pattern porcelain tile flooring. The luxurious owner’s suite is a private sanctuary with an attached sitting room for relaxing, reading or an additional home office space. The oversized walk-in closet is enhanced with a custom wood organization system. The fully remodeled spa-inspired bathroom has two vanities, designer fixtures, an extended shower with dual rainfall shower heads, and a private water closet. The home also features three generously sized secondary bedrooms and a versatile den arranged in a three-way split floor plan that provides privacy and flexibility for family and guests. Outside is a fully fenced backyard oasis featuring lush landscaping and mature fruit trees with an eco-friendly reclaimed water irrigation system. The crown jewel is an enormous 37x18 screened and covered lanai—the ultimate space for year-round outdoor living and entertaining. The backyard also comes complete with a 16x12 Tuff Shed with a fully finished interior, lighting and air conditioning making it ideal for a workshop, studio or fitness area. You get all of this along with top rated schools, shopping, restaurants and everything Tampa Bay has to offer!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,910
Sqft
0.21 ac
Lot size
3
Garage
2001
Year built
One
Levels
$211
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.
$4,075 /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
$4,075/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
+6.5%
Days on market
28 vs 34 typical
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 Lumsden Trace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Lumsden Trace — neighborhood snapshot
Population
702
Median age
42
Median income
$143,438
Median home value
$401,700
Avg household
3
Households w/ children
132
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)
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
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 1128 LUMSDEN TRACE CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1128 LUMSDEN TRACE CIRCLE — 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
1128 LUMSDEN TRACE CIRCLE FAQs
What would the monthly payment be for 1128 LUMSDEN TRACE CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,075/mo — principal and interest, the actual property-tax bill, the $46/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 1128 LUMSDEN TRACE CIRCLE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1128 LUMSDEN TRACE CIRCLE?+
The most recent tax bill on record (2025) was $3,841. 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 1128 LUMSDEN TRACE CIRCLE?+
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 $615,000, this home is listed about 29% above the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1128 LUMSDEN TRACE CIRCLE?+
Buckhorn Elementary School (elementary), Mulrennan Middle School (middle), 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.
Listing courtesy of FLORIDA EXECUTIVE REALTY · Christine Hensley. MLS #TB8523263.
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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