12890 PAYTON STREET, ODESSA, FL, 33556
Active10 days on marketListed Jul 30, 2026MLS #TB8534201
About this home
12890 PAYTON STREET
Beautiful 4-bedroom, 3-bathroom home with a loft in highly sought-after Starkey Ranch! This well-appointed home features tile flooring throughout, elegant tray ceilings, numerous builder upgrades, and a 2-car garage. The spacious loft offers flexible space for a home office, media room, or additional living area. Enjoy Florida outdoor living from the seller-added screened-in lanai, perfect for relaxing or entertaining. A water softener was also added by the seller for added convenience. Located in a desirable community with A-rated schools, exceptional amenities, parks, trails, shopping, dining, and convenient access to major roadways. A wonderful opportunity to enjoy the Starkey Ranch lifestyle!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,881
Sqft
0.13 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$229
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.
$4,300 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,300/mo
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.
vs edgeAI estimate
−9.4%
$/sqft vs Odessa actives
$229 vs $272
Days on market
10 vs 46 typical
Where $229/sqft sits among the 200 Odessa 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 Starkey Ranch
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Odessa market
$725K → $711K
Odessa median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
120 of 200
Odessa actives have cut their price
Median sold price, Odessa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the ODESSA 33556 median. See the full Odessa market guide →
Paper trail
This home's history
Reality check
What actually sold near 12890 PAYTON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$750,000
2516 WHITTLER BRANCH · same community
5 bd · 3.5 ba · 3,320 sqft · $226/sqft · 70 DOM
Sold · Jul ’26$1,269,000
12929 PAYTON STREET · same community
4 bd · 4 ba · 4,526 sqft · $280/sqft · 37 DOM
Sold · Feb ’26$795,000
1337 FISHING LAKE DRIVE
5 bd · 3 ba · 2,873 sqft · $277/sqft · 58 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 12890 PAYTON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12890 PAYTON STREET — 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
12890 PAYTON STREET FAQs
What would the monthly payment be for 12890 PAYTON STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,300/mo — principal and interest, the actual property-tax bill, the $7/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 12890 PAYTON STREET?+
The association fee works out to $7 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12890 PAYTON STREET?+
The most recent tax bill on record (2025) was $3,887. 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 12890 PAYTON STREET?+
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 $660,000, this home is listed about 6% below the Odessa median of $700,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12890 PAYTON STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Lena Tan. MLS #TB8534201.
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.
Never miss a listing
New Odessa homes, in your inbox
Like 12890 PAYTON STREET but not quite? A daily digest of every new listing in Odessa — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →