David Ramirez
$649,9003 bd2 ba1,931 sqft$337 /sqft$5,271 /mo all-in ↓

3142 FRANCOA DRIVE, ODESSA, FL, 33556

Active5 days on marketListed Jul 29, 2026MLS #TB8533418

Priced 3% below the ODESSA 33556 medianPrivate poolSingle Family ResidenceESPLANADE/STARKEY RANCH PH 3

About this home

3142 FRANCOA DRIVE

EXCEPTIONAL TAYLOR MORRISON AREZZO WITH RESORT-STYLE GAS HEATED POOL, OUTDOOR KITCHEN & EXPANSIVE .36-ACRE CONSERVATION HOMESITE IN MAINTENANCE-FREE GATED ESPLANADE AT STARKEY RANCH. Perfectly positioned on one of the largest homesites in the community, this meticulously maintained Taylor Morrison Arezzo, built in 2020, offers 3 brs, a private den/office with custom murphy bed/desk , 2 full ba, a 2-car garage w/ 4ft extension and an extraordinary blend of elegance & outdoor living. Nestled on a peaceful cul-de-sac overlooking serene conservation, this exceptional residence enjoys remarkable privacy w/ nearly 1/3 of an acre (15,559 sq. ft.) of manicured grounds. The remainder of the transferable 10-Year Builder's Structural Warranty provides additional peace of mind. Beautiful curb appeal welcomes you home: tile roof, shutters, carriage-style garage door, paver driveway, lush tropical landscaping illuminated by Enbrighten uplights & etched glass front entry w/ sidelight. Inside, the thoughtfully designed open floor plan is enhanced by extensive builder upgrades and nearly $50,000 in thoughtful owner improvements. New interior paint, Plantation shutters throughout, designer lighting & abundant natural light create an inviting atmosphere. The spacious great room is designed for effortless entertaining, seamlessly connecting to the kitchen, dining room & outdoor living spaces while framing picturesque views of the pool and conservation. A formal dining room w/ tray ceiling, elegant chandelier provides the perfect setting for special occasions. The well-appointed kitchen features rich shaker style cabinetry in Maple Toffee, granite countertops, stainless steel appliances, a gas range, abundant cabinet & drawer storage, a closet pantry & an oversized breakfast bar. Privately tucked away, the owner's retreat serves as a peaceful sanctuary w/ tray ceiling, Plantation shutters & tranquil views. Luxurious ensuite offers a dual sink vanity w/ cabinetry & drawers, granite counters, walk-in shower w/ frameless glass enclosure and an expansive walk-in closet. Versatile den has been enhanced w/ a custom Murphy bed that seamlessly transitions to a desk, providing exceptional flexibility as a home office or br. 2 additional brs share a guest bath. Laundry room offers cabinetry & storage. Step outside to your own private Florida retreat. The covered screened lanai has been thoughtfully designed for year-round enjoyment w/ a custom outdoor kitchen, built-in grill, ceiling fan and ample room for relaxing. Enjoy the Florida lifestyle relaxing in your gas-heated pool w/ app-controlled Pentair automation system, all set against a fully fenced yard a& conservation views. Additional improvements include Radiant Barrier, wrought iron fence, water softener, hurricane shutters, surge protection, security system, transferable termite bond, newer carpet, gas water heater, in-wall pest system, and a location outside of a flood zone providing peace of mind. Esplanade offers an exceptional maintenance-free lifestyle w/ resort-inspired amenities: lawn care, clubhouse, 24-hour fitness, resort & lap pools, tennis & pickleball courts, dog park & social activities. Accessible to restaurants, shopping, Publix, medical facilities, highly acclaimed Starkey Ranch K-8 Magnet School, 30 minutes to Tampa Airport & beaches. Experience refined Florida living in one of Esplanade's most desirable floor plans, ideally situated on one of the community's premier conservation homesites.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,931

Sqft

0.36 ac

Lot size

2

Garage

2020

Year built

One

Levels

$337

Per sqft

Private poolTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesNortheast
ExteriorLighting · Outdoor Grill · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$407/mo
Taxes (2025)$11,437/yr
PetsYes
CommunityClubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Connected · Public · 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.

$5,271 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$953
HOA fee — from the listing$407
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,990Loan30-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% · $64,990
Interest rate6.00%
Loan term

Estimated payment

$5,271/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$953
HOA / condo fee$407
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 $650K
$450KedgeAI estimate $495,456 · range $468K$529K$676K

vs edgeAI estimate

+31.2%

$/sqft vs Odessa actives

$337 vs $267

Days on market

5 vs 46 typical

Where $337/sqft sits among the 203 Odessa actives

87
65
17 · this home
5
9
20
$187–258$258–330$330–401$401–473$473–544$544+

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 Starkey Ranch

Map of 3142 FRANCOA DRIVE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)38 min
Downtown Tampa42 min

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

Get to know Odessa. See the full Odessa guide →

Starkey Ranch — neighborhood snapshot

Population

5,445

Median age

40

Median income

$127,978

Median home value

$488,100

Avg household

3

Households w/ children

764

For the school run

Pasco County School District

ElementaryLongleaf Elementary School★★★★★
HighJames W. Mitchell High School★★★★
MiddleSeven Springs Middle School★★★★

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

The numbers that matter

The Odessa market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$725K$775K

Odessa median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

116 of 203

Odessa actives have cut their price

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

This home is listed 3% below the ODESSA 33556 median. See the full Odessa market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $649,900 · 5 days on market since
2020Built · ESPLANADE/STARKEY RANCH PH 3

Reality check

What actually sold near 3142 FRANCOA DRIVE

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

3141 FRANCOA DRIVESold · Apr ’26

$490,000

3141 FRANCOA DRIVE · same community

2 bd · 2 ba · 1,689 sqft · $290/sqft · 9 DOM

3312 FRANCOA DRIVESold · May ’26

$444,000

3312 FRANCOA DRIVE · same community

2 bd · 2 ba · 1,689 sqft · $263/sqft · 9 DOM

11151 CALLUNA DRIVESold · Jun ’26

$735,000

11151 CALLUNA DRIVE · same community

3 bd · 3 ba · 2,313 sqft · $318/sqft · 36 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 3142 FRANCOA 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 3142 FRANCOA 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

3142 FRANCOA DRIVE FAQs

What would the monthly payment be for 3142 FRANCOA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,271/mo — principal and interest, the actual property-tax bill, the $407/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 3142 FRANCOA DRIVE?+

The association fee works out to $407 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3142 FRANCOA DRIVE?+

The most recent tax bill on record (2025) was $11,437. 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 3142 FRANCOA 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 Odessa?+

At $649,900, this home is listed about 8% below the Odessa median of $707,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3142 FRANCOA DRIVE?+

Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the ODESSA 33556 market on paper

$649,900 is 3% below the ODESSA 33556 median of $671,495, and at $337/sqft it sits under the Odessa average of $351.

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 5 days on market in a Odessa market that averages 46 — if it fits, move quickly.

04Strong assigned schools

Longleaf Elementary School, James W. Mitchell High School, Seven Springs Middle School — James W. Mitchell High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Anne Bromberg. MLS #TB8533418.

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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