David Ramirez
$665,0004 bd3 ba2,965 sqft$224 /sqft$4,827 /mo all-in ↓

10236 ESTUARY DRIVE, TAMPA, FL, 33647

Active7 days on marketListed Jul 23, 2026MLS #TB8531890

Private poolSingle Family ResidenceARBOR GREENE PH 3 UNITS 3A

About this home

10236 ESTUARY DRIVE

Welcome to your dream home! Located in Arbor Greene, one of New Tampa’s premier 24-hour guard-gated communities, this exceptional 4-bedroom, 3-bath home with a private office and 3-car garage offers luxury, comfort, and resort-style living. Situated on an oversized corner lot, the home features a new metal roof (2026) and fresh exterior paint (2026), providing outstanding curb appeal and peace of mind. Inside, soaring ceilings and an open floor plan create a bright, inviting atmosphere. The formal living and dining rooms have been transformed into an expansive game and recreation area, perfect for entertaining. Behind French doors, the private office with crown molding offers an ideal work-from-home space. The chef’s kitchen features Corian countertops, an impressive 8-foot center island, tile backsplash, gas range, stainless steel appliances, 42-inch maple cabinetry, two oversized pantries, and a spacious breakfast nook. A versatile tech station turned into dry bar with built-in desk and extensive cabinetry adds exceptional functionality. The family room with custom built-ins overlooks the spectacular outdoor living area. The owner’s retreat offers a custom feature wall, oversized walk-in closet with additional storage, and a spacious en-suite bath. Generously sized secondary bedrooms provide comfort for family and guests. Step outside to your private backyard oasis featuring an expanded screened lanai with paver decking, a heated pool and spa, and plenty of space to relax or entertain year-round. Arbor Greene residents enjoy outstanding amenities including multiple community pools, a state-of-the-art fitness center, tennis and pickleball courts, playgrounds, scenic walking trails, and a beautiful clubhouse. Conveniently located near USF, major hospitals, Tampa Premium Outlets, top-rated dining, and with easy access to I-75 and I-275, this home offers the perfect blend of luxury, lifestyle, and convenience. Don’t miss this incredible opportunity to own one of New Tampa’s finest homes!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,965

Sqft

0.32 ac

Lot size

3

Garage

2004

Year built

One

Levels

$224

Per sqft

Private poolNegotiablePets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingNatural Gas
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDeeded · Driveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$9/mo
Taxes (2025)$9,845/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Connected · Sewer Connected · Sprinkler Meter · Street Lights · 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.

$4,827 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,588
PMI (est., until 20% equity)$249
Property tax — 2025 actual bill$820
HOA fee — from the listing$9
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $66,500Loan30-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% · $66,500
Interest rate6.00%
Loan term

Estimated payment

$4,827/mo

Principal & interest$3,588
PMI (est., until 20% equity)$249
Property taxes (actual bill)$820
HOA / condo fee$9
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 $665K
$619KedgeAI estimate $649,315 · range $645K$653K$692K

vs edgeAI estimate

+2.4%

$/sqft vs Tampa actives

$224 vs $303

Days on market

7 vs 33 typical

Where $224/sqft sits among the 400 Tampa actives

142 · this home
137
55
21
15
30
$153–263$263–373$373–483$483–592$592–702$702+

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 Arbor Greene

Map of 10236 ESTUARY DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)43 min

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

Get to know Tampa. See the full Tampa guide →

Arbor Greene — neighborhood snapshot

Population

3,372

Median age

45

Median income

$118,033

Median home value

$501,766

Avg household

3

Households w/ children

362

For the school run

Hillsborough County School District

MiddleBenito Middle School★★★★
ElementaryHunter's Green Elementary School★★★★
HighWharton High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Tampa market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$430K$455K

Tampa median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

171 of 400

Tampa actives have cut their price

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

This home is listed 75% above the TAMPA 33647 median. See the full Tampa market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $665,000 · 7 days on market since
2004Built · ARBOR GREENE PH 3 UNITS 3A

Reality check

What actually sold near 10236 ESTUARY DRIVE

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

10228 ESTUARY DRIVESold · Jul ’26

$665,000

10228 ESTUARY DRIVE

4 bd · 3 ba · 3,014 sqft · $221/sqft · 48 DOM

10411 CORY LAKE DRIVESold · Dec ’25

$729,000

10411 CORY LAKE DRIVE

4 bd · 3.5 ba · 2,891 sqft · $252/sqft · 6 DOM

10209 WATERSIDE OAKS DRIVESold · May ’26

$645,000

10209 WATERSIDE OAKS DRIVE

4 bd · 3 ba · 2,891 sqft · $223/sqft · 190 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 10236 ESTUARY 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 10236 ESTUARY 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.

Goes straight to David’s phone and CRM.

Straight answers

10236 ESTUARY DRIVE FAQs

What would the monthly payment be for 10236 ESTUARY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,827/mo — principal and interest, the actual property-tax bill, the $9/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 10236 ESTUARY DRIVE?+

The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10236 ESTUARY DRIVE?+

The most recent tax bill on record (2025) was $9,845. 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 10236 ESTUARY 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 Tampa?+

At $665,000, this home is listed about 43% above the Tampa median of $464,900. The market section on this page shows how the area is trending.

Which schools are assigned to 10236 ESTUARY DRIVE?+

Benito Middle School (middle), Hunter's Green Elementary School (elementary), Wharton 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

Four things that matter here

01Positioned at the premium end

$665,000 runs 75% above the TAMPA 33647 median — but at 2,965 sqft it's also nearly twice the size of the typical Tampa listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 7 days on market in a Tampa market that averages 33 — if it fits, move quickly.

04Strong assigned schools

Benito Middle School, Hunter's Green Elementary School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Darlene Evangelist. MLS #TB8531890.

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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