3509 HARVEST GARDENS LOOP, PLANT CITY, FL, 33565
Active2 days on marketListed Aug 1, 2026MLS #TB8534962
About this home
3509 HARVEST GARDENS LOOP
Under Construction. The builder is offering buyers up to $25,000 towards closing costs with the use of a preferred lender and title company. Farm at Varrea offers new homes in Plant City, located right off Midway Road, and less than 10 minutes from I-4. Easy access to the interstate provides a seamless commute to the large surrounding cities such as Tampa, Orlando, and Lakeland. Farm at Varrea, nestled among grand oak trees, provides a small-town, rural feel, yet allows homeowners to be immersed in all that Plant City can provide. Just 11 minutes away, you'll find Downtown Plant City with a main street bustling with unique shops, restaurants, and entertainment. Not only is the community in a prime location, but it sits in the center of the Strawberry Capital, where the famous Strawberry Festival is held annually, bringing rides, vendors, and live entertainment to the city. Each home in this community is constructed with concrete blocks on 1st and 2nd stories, comes equipped Smart Home System. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,934
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$154
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.
$3,032 /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
$3,447/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−8.9%
$/sqft vs VARREA
$154 vs $184
Days on market
2 vs 33 typical
Where $154/sqft sits among the 13 homes for sale in VARREA
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 Plant City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Plant City. See the full Plant City guide →
PLANT CITY 33565 — neighborhood snapshot
Population
17,716
Median age
43.6
Median income
$67,403
Median home value
$237,600
Avg household
2.81
Households w/ children
1,795
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Plant City market
$354K → $365K
Plant City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
9 of 13
VARREA have cut their price
Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the PLANT CITY 33565 median. See the full Plant City market guide →
Paper trail
This home's history
Reality check
What actually sold near 3509 HARVEST GARDENS LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$470,490
4013 HARVEST HEARTH PLACE · same community
4 bd · 3.5 ba · 2,794 sqft · $168/sqft · 23 DOM
Sold · Jan ’26$421,990
3343 AMBER WAVES DRIVE · same community
4 bd · 3 ba · 2,756 sqft · $153/sqft · 36 DOM
Sold · Nov ’25$414,990
3332 AMBER WAVES DRIVE · same community
4 bd · 3 ba · 2,756 sqft · $151/sqft · 106 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 3509 HARVEST GARDENS LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3509 HARVEST GARDENS LOOP — 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
3509 HARVEST GARDENS LOOP FAQs
What would the monthly payment be for 3509 HARVEST GARDENS LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,032/mo — principal and interest, estimated property taxes, 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 3509 HARVEST GARDENS LOOP?+
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 3509 HARVEST GARDENS LOOP?+
The most recent tax bill on record (2025) was $0. 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 3509 HARVEST GARDENS LOOP?+
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 Plant City?+
At $452,340, this home is listed about 15% above the Plant City median of $394,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3509 HARVEST GARDENS LOOP?+
Knights Elementary School (elementary), Marshall Middle Magnet School (middle), Plant City 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 D R HORTON REALTY OF TAMPA LLC · Jodi Smenda. MLS #TB8534962.
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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