28739 COTTAGEWOOD DRIVE, WESLEY CHAPEL, FL, 33545
Active24 days on marketListed Jul 9, 2026MLS #TB8526547
About this home
28739 COTTAGEWOOD DRIVE
Discover the perfect combination of space and Florida living in this beautifully maintained four-bedroom, two-bathroom pool home located in the Villages of Wesley Chapel. Offering over 2,200 square feet of living space, this residence features a versatile floor plan, modern updates, and an inviting outdoor retreat designed for both everyday living and entertaining. As an added benefit, the seller will provide a full roof replacement and replacement of the damaged pool screens upon the property going under contract. As you enter, you are welcomed by a spacious foyer with a convenient coat closet and a thoughtfully designed layout that offers flexibility for today’s lifestyle. The front sitting room provides the perfect opportunity for a formal dining area, office, or additional gathering space. The light-filled living room features double sliding glass doors that create a seamless connection between indoor and outdoor living. The heart of the home is the spacious kitchen, beautifully appointed with updated stainless steel Samsung appliances, abundant cabinetry, a breakfast bar, separate pantry, and a charming coffee bar. The adjoining dining area overlooks the sparkling pool, while the expansive family room showcases vaulted ceilings and plenty of room to relax with family and friends. The spacious primary suite offers a private retreat with direct access to the pool area through sliding glass doors. The ensuite bathroom features dual vanities, a garden soaking tub, glass-enclosed shower, and a generous walk-in closet. Three additional bedrooms provide plenty of space for family, guests, or a home office and share a second bathroom complete with a dual sink vanity. Step outside and enjoy your own private Florida escape. The screened-in pool area features a covered patio, a beautiful Pebble Tec pool finish, and a relaxing waterfall feature - perfect for entertaining, unwinding after a long day, or enjoying year-round outdoor living. Additional features include a solar panel connected to the water heater for added energy efficiency and a prime location near everything Wesley Chapel has to offer. Conveniently located near I-75, residents enjoy easy access to exceptional shopping, dining, and entertainment at Tampa Premium Outlets, The Shops at Wiregrass, and numerous local restaurants. This exceptional pool home offers the space, upgrades, and location you’ve been searching for. Don’t miss your opportunity to own a piece of the Wesley Chapel lifestyle - schedule your private showing today and make this Florida oasis your new home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,231
Sqft
0.19 ac
Lot size
2
Garage
1995
Year built
One
Levels
$199
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.
$3,714 /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
$3,714/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
−9.2%
$/sqft vs Wesley Chapel actives
$199 vs $200
Days on market
24 vs 32 typical
Where $199/sqft sits among the 400 Wesley Chapel 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 Villages At Wesley Chapel
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
Villages At Wesley Chapel — neighborhood snapshot
Population
2,074
Median age
35
Median income
$97,946
Median home value
$259,400
Avg household
3
Households w/ children
220
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wesley Chapel market
$440K → $435K
Wesley Chapel median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
202 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 8% above the WESLEY CHAPEL 33545 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
Reality check
What actually sold near 28739 COTTAGEWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$490,000
28707 RALEIGH PLACE · same community
4 bd · 2.5 ba · 2,212 sqft · $222/sqft · 9 DOM
Sold · Aug ’25$699,888
4504 ISONZO WAY
3 bd · 3 ba · 2,275 sqft · $308/sqft · 147 DOM
Sold · Feb ’26$648,500
4831 ROSATTI ROAD
3 bd · 3 ba · 2,296 sqft · $282/sqft · 269 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 28739 COTTAGEWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28739 COTTAGEWOOD 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
28739 COTTAGEWOOD DRIVE FAQs
What would the monthly payment be for 28739 COTTAGEWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,714/mo — principal and interest, the actual property-tax bill, the $31/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 28739 COTTAGEWOOD DRIVE?+
The association fee works out to $31 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28739 COTTAGEWOOD DRIVE?+
The most recent tax bill on record (2025) was $8,476. 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 28739 COTTAGEWOOD 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 $445,000, this home is listed about 2% above the Wesley Chapel median of $434,500. The market section on this page shows how the area is trending.
Which schools are assigned to 28739 COTTAGEWOOD DRIVE?+
Quail Hollow Elementary School (elementary), Wesley Chapel High School (high), Thomas E. Weightman Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Jeffrey Borham, PA. MLS #TB8526547.
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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