David Ramirez
$609,9004 bd3 ba2,477 sqft$246 /sqft$4,444 /mo all-in ↓

28692 COZY CREEK DRIVE, WESLEY CHAPEL, FL, 33543

Active36 days on marketListed Jul 2, 2026MLS #TB8525242

Single Family ResidencePERSIMMON PARK PH 1

About this home

28692 COZY CREEK DRIVE

Like Brand new, shows like a model home, includes 110k in Builder Premium upgrades, plus another 21k in homeowner-added extras. Everyone says they have upgrades; we have the builder’s paperwork to justify every penny! Welcome to this spectacular ICI Homes Primrose featuring the Coastal Elevation with a covered second-floor balcony. Perfectly situated on a premium corner homesite in the highly desirable Persimmon Park community of Wesley Chapel, this exceptional residence truly shows like a professionally decorated model home and offers the perfect blend of luxury, craftsmanship, and modern design. Offering 4 bedrooms, 3 bathrooms, a spacious loft, and an oversized 2-car garage with a 2-foot extension, this home has been meticulously upgraded from top to bottom with nearly $110,000 in premium builder upgrades, plus thousands of dollars in owner-added enhancements, creating a truly turnkey home that would be extremely expensive to duplicate today. From the moment you enter, you'll be impressed by the dramatic 12-foot ceilings, elegant tray ceilings, upgraded 8-foot interior doors, beautiful crown molding, and stunning Luxury Vinyl Plank flooring throughout. Large windows flood the open-concept floor plan with natural light, creating a bright and inviting living space. The gourmet chef's kitchen is truly the centerpiece of the home, featuring an oversized waterfall island with Level 5 Quartz countertops, breakfast bar seating, premium GE Profile appliances, upgraded wood cabinetry, a spacious pantry, and a striking Level 5 designer backsplash that creates an unforgettable focal point. Every detail has been carefully selected to combine elegance with everyday functionality. The adjoining dining area opens seamlessly onto the covered lanai, creating the perfect indoor-outdoor living experience for entertaining or simply enjoying Florida's beautiful weather. The luxurious first-floor owner's suite offers a peaceful retreat with dual walk-in closets and a spa-inspired ensuite bath featuring dual vanities and an oversized walk-in shower. A second first-floor bedroom and full bath provide the perfect space for guests, multigenerational living, or a private home office. Upstairs, the spacious loft/game room offers endless possibilities as a media room, family room, fitness space, or playroom. Step outside onto the covered second-floor balcony and relax while enjoying beautiful views of the community water features and lush landscaping. Two additional bedrooms and a full bathroom complete the second level. The luxury continues with numerous owner-added improvements rarely found in new construction, including a vinyl privacy fence, whole-home gutters, whole-home water softener, a stunning custom built-in electric fireplace with feature wall, and a premium Bowers & Wilkins in-ceiling surround sound speaker system in the living room, delivering an incredible entertainment experience. Additional premium features include 8-inch baseboards, upgraded designer lighting, custom window treatments, enhanced landscaping, and premium finishes throughout. The oversized garage provides extra space for larger SUVs, storage, or a workshop. Built with energy efficiency in mind, this ICI Home also includes Low-E high-performance windows and an energy-efficient hybrid water heater, helping reduce utility costs. Why wait months to build—and spend significantly more on upgrades—when you can move into a home that's already been perfected?

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,477

Sqft

0.15 ac

Lot size

2

Garage

2022

Year built

Two

Levels

$246

Per sqft

FireplaceGarden viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Water Softener
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Cement Siding · Stucco
FoundationBlock · Slab
ViewGarden
FacesNorthwest
ParkingDriveway · Garage Door Opener · Garage Faces Rear · On Street · Oversized
ExteriorBalcony · Irrigation System · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$142/mo
Taxes (2025)$7,468/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Dog Park · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Sprinkler Recycled · 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.

$4,444 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,291
PMI (est., until 20% equity)$229
Property tax — 2025 actual bill$622
HOA fee — from the listing$142
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $60,990Loan30-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% · $60,990
Interest rate6.00%
Loan term

Estimated payment

$4,444/mo

Principal & interest$3,291
PMI (est., until 20% equity)$229
Property taxes (actual bill)$622
HOA / condo fee$142
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 $610K
$570KedgeAI estimate $607,267 · range $593K$621K$646K

vs edgeAI estimate

+0.4%

$/sqft vs Wesley Chapel actives

$246 vs $204

Days on market

36 vs 45 typical

Where $246/sqft sits among the 400 Wesley Chapel actives

85
118
86
48 · this home
24
39
$151–178$178–205$205–231$231–258$258–285$285+

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 Wesley Chapel

Map of 28692 COZY CREEK DRIVE

Drive times from this address

Downtown Tampa30 min
Tampa Int’l Airport (TPA)41 min

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

Get to know Wesley Chapel. See the full Wesley Chapel guide →

WESLEY CHAPEL 33543 — neighborhood snapshot

Population

37,473

Median age

38.9

Median income

$107,565

Median home value

$365,000

Avg household

2.87

Households w/ children

5,177

For the school run

Pasco County School District

ElementaryDouble Branch Elementary School★★★★★
MiddleDr. John Long Middle School★★★★
HighWiregrass Ranch High School★★★★

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

The numbers that matter

The Wesley Chapel market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$440K$430K

Wesley Chapel median sold, yr/yr

97.9%

Sale-to-list ratio (12 mo)

205 of 400

Wesley Chapel actives have cut their price

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

This home is listed 72% above the WESLEY CHAPEL 33543 median. See the full Wesley Chapel market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $609,900 · 36 days on market since
2022Built · PERSIMMON PARK PH 1

Reality check

What actually sold near 28692 COZY CREEK DRIVE

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

28664 COZY CREEK DRIVESold · Jun ’26

$542,000

28664 COZY CREEK DRIVE · same community

4 bd · 3 ba · 2,463 sqft · $220/sqft · 115 DOM

28809 S ORANGE BERRY DRIVE SSold · Apr ’26

$590,000

28809 S ORANGE BERRY DRIVE S · same community

3 bd · 2.5 ba · 2,274 sqft · $259/sqft · 285 DOM

28570 SWEET PERSIMMON DRIVESold · Jun ’26

$499,900

28570 SWEET PERSIMMON DRIVE · same community

3 bd · 2 ba · 2,036 sqft · $246/sqft · 69 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 28692 COZY 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 28692 COZY 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.

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Goes straight to David’s phone and CRM.

Straight answers

28692 COZY CREEK DRIVE FAQs

What would the monthly payment be for 28692 COZY CREEK DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,444/mo — principal and interest, the actual property-tax bill, the $142/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 28692 COZY CREEK DRIVE?+

The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 28692 COZY CREEK DRIVE?+

The most recent tax bill on record (2025) was $7,468. 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 28692 COZY 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 Wesley Chapel?+

At $609,900, this home is listed about 39% above the Wesley Chapel median of $439,000. The market section on this page shows how the area is trending.

Which schools are assigned to 28692 COZY CREEK DRIVE?+

Double Branch Elementary School (elementary), Dr. John Long Middle School (middle), Wiregrass Ranch High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$609,900 runs 72% above the WESLEY CHAPEL 33543 median — but at 2,477 sqft it's also 18% larger than the typical Wesley Chapel listing.

02Garden views

The garden view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Double Branch Elementary School, Dr. John Long Middle School, Wiregrass Ranch High School — Dr. John Long Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of FUTURE HOME REALTY INC · Richard Solkin, PA. MLS #TB8525242.

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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