12209 CITRUS LEAF DRIVE, GIBSONTON, FL, 33534
Active12 days on marketListed Jul 13, 2026MLS #TB8528600
About this home
12209 CITRUS LEAF DRIVE
Beautifully Updated 6-Bedroom Home in South Bay Lakes – No CDD & Low HOA! Originally built as a 4-bedroom, 2.5-bath home with a 3-car garage, this spacious residence has been thoughtfully updated to feature 6 bedrooms and 3 full bathrooms. According to the Property Appraiser's Office, the additional bedrooms and bathroom are scheduled to be reflected in the county records in November 2026. Buyer to verify room dimensions and county records. Situated near the end of a quiet cul-de-sac, this home welcomes you through grand double entry doors into a bright, open-concept floor plan. The formal living room, formal dining room, and spacious family room seamlessly flow together, with the beautifully updated kitchen serving as the heart of the home—perfect for entertaining family and friends. The kitchen features updated cabinetry, granite countertops, a breakfast bar, stylish tile backsplash, Samsung appliances, a new kitchen sink and hardware, updated cabinet hardware, and a convenient wall-mounted pot filler. Additional interior upgrades include beautiful wood flooring throughout, a custom built-in entertainment center, new baseboards, and elegant crown molding. Recent improvements include: New roof (2025), New gutters (2025), Hurricane-impact windows installed in 2026, Two A/C units (2017 and 2025), Water heater (2017), Water softener (2017), Arlo security system with subscription prepaid through next year Solar energy system installed in 2017, consisting of 40 panels. Of those, 32 panels are fully paid off, while the remaining 8 panels are leased for only $61 every month, providing excellent energy efficiency and long-term savings. The oversized primary suite offers a relaxing sitting area, a luxurious ensuite bath with a soaking tub, tiled walk-in shower, granite countertops, and two spacious walk-in closets. The upstairs laundry room features additional cabinetry along with a newer washer and dryer. Residents of South Bay Lakes enjoy access to a community pool and park. Conveniently located near shopping centers, restaurants, the new VA Annex facility, St. Joseph's Hospital, I-75, Gulf Coast beaches, and MacDill Air Force Base, this home offers the perfect combination of comfort, convenience, and value. Showing Instructions: Owner request showings will be held July 17 through July 19. Please submit all offers by Monday. All offers will be reviewed that Monday, and the seller's decision is expected on Tuesday.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,870
Sqft
0.21 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$171
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.
$3,913 /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
$3,913/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
+43.9%
$/sqft vs Gibsonton actives
$171 vs $177
Days on market
12 vs 27 typical
Where $171/sqft sits among the 48 Gibsonton 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 Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $375K
Gibsonton median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
20 of 48
Gibsonton actives have cut their price
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 12209 CITRUS LEAF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$355,000
12206 CITRUS LEAF DRIVE · same community
4 bd · 2.5 ba · 2,868 sqft · $124/sqft · 27 DOM
Sold · Feb ’26$342,000
7702 DRAGON FLY LOOP · same community
4 bd · 2.5 ba · 2,944 sqft · $116/sqft · 44 DOM
Sold · Dec ’25$485,000
12201 CITRUS LEAF DRIVE · same community
5 bd · 3.5 ba · 3,216 sqft · $151/sqft · 47 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 12209 CITRUS LEAF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12209 CITRUS LEAF 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
12209 CITRUS LEAF DRIVE FAQs
What would the monthly payment be for 12209 CITRUS LEAF DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,913/mo — principal and interest, the actual property-tax bill, the $73/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 12209 CITRUS LEAF DRIVE?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12209 CITRUS LEAF DRIVE?+
The most recent tax bill on record (2025) was $6,943. 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 12209 CITRUS LEAF DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Gibsonton?+
At $490,000, this home is listed about 45% above the Gibsonton median of $337,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12209 CITRUS LEAF DRIVE?+
Corr Elementary School (elementary), East Bay 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 CHARLES RUTENBERG REALTY INC · Rosnel Dufort. MLS #TB8528600.
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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