Eric Chery
$319,000$329,0003 bd2 ba1,480 sqft$216 /sqft$2,397 /mo all-in ↓

3011 SHADOW OAKS DRIVE, HOLIDAY, FL, 34690

Active91 days on marketListed Apr 24, 2026MLS #TB8501413

Reduced $10KWaterfrontSingle Family ResidenceSHADOW OAKS

Come see it

Upcoming open house

Sun, Jul 26

12:30 PM – 3:00 PM

About this home

3011 SHADOW OAKS DRIVE

Spacious 3-bedroom, 2-bath home situated on a fully fenced 1/4-acre corner lot with a peaceful creek backdrop. Inside, you’ll find laminate flooring throughout with tile in the kitchen and bathrooms, along with updated kitchen and baths that give the home a fresh, modern feel. The desirable 3-way split floor plan offers both functionality and privacy, while the primary suite features a walk-in closet and an updated ensuite bath with dual sinks and a newly remodeled shower. Enjoy relaxing or entertaining on the screened back porch overlooking the expansive backyard. Additional highlights include a large 2-car garage, New AC, new Tankless Water heater, low property taxes, and no HOA fees. Conveniently located near shopping, dining, and everyday amenities, with easy access to Tampa International Airport, this home offers comfort, space, and value in one attractive package. Some photos were virtually altered slightly.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,480

Sqft

0.25 ac

Lot size

2

Garage

1987

Year built

One

Levels

$216

Per sqft

WaterfrontWater view

Inside

FlooringLaminate · Tile
AppliancesDisposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorPrivate Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$2,621/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,397 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,878
FHA mortgage insurance (est.)$141
Property tax — 2025 actual bill$218
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,165Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,165
Interest rate6.00%
Loan term

Estimated payment

$2,397/mo

Principal & interest$1,878
FHA mortgage insurance (est.)$141
Property taxes (actual bill)$218
Est. insurance$160

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.

List $319K
$272KedgeAI estimate $314,704 · range $283K$368K$383K

vs edgeAI estimate

+1.4%

$/sqft vs Holiday actives

$216 vs $189

Days on market

91 vs 37 typical

Where $216/sqft sits among the 269 Holiday actives

35
42
72
54 · this home
33
33
$109–137$137–166$166–194$194–223$223–251$251+

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 Holiday

Map of 3011 SHADOW OAKS DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)46 min
Downtown Tampa49 min

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

Get to know Holiday. See the full Holiday guide →

HOLIDAY 34690 — neighborhood snapshot

Population

12,447

Median age

44.9

Median income

$46,167

Median home value

$152,200

Avg household

2.25

Households w/ children

931

For the school run

Pasco County School District

ElementarySunray Elementary School★★★★★
MiddlePaul R. Smith Middle School★★★★
HighAnclote High School★★★★★

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

The numbers that matter

The Holiday market

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$236K$230K

Holiday median sold, yr/yr

96.1%

Sale-to-list ratio (12 mo)

141 of 269

Holiday actives have cut their price

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

This home is listed 46% above the HOLIDAY 34690 median. See the full Holiday market guide →

Paper trail

This home's history

CurrentPrice reduced to $319,000 $10K
Apr 24, 2026Listed at $329,000 · 91 days on market since
1987Built · SHADOW OAKS

Reality check

What actually sold near 3011 SHADOW OAKS DRIVE

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

3123 SHADOW OAKS DRIVESold · Nov ’25

$349,000

3123 SHADOW OAKS DRIVE · same community

4 bd · 2 ba · 1,855 sqft · $188/sqft · 19 DOM

2115 SHADOW OAKS ROADSold · Jun ’26

$713,000

2115 SHADOW OAKS ROAD · same community

3 bd · 2.5 ba · 2,186 sqft · $326/sqft · 162 DOM

5801 LENMAR COURTSold · Mar ’26

$475,000

5801 LENMAR COURT · same community

4 bd · 2.5 ba · 2,242 sqft · $212/sqft · 18 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3011 SHADOW OAKS 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 3011 SHADOW OAKS DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

3011 SHADOW OAKS DRIVE FAQs

What would the monthly payment be for 3011 SHADOW OAKS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,397/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 3011 SHADOW OAKS DRIVE?+

The most recent tax bill on record (2025) was $2,621. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Holiday?+

At $319,000, this home is listed about 30% above the Holiday median of $245,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3011 SHADOW OAKS DRIVE?+

Sunray Elementary School (elementary), Paul R. Smith Middle School (middle), Anclote High School (high) — Pasco 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

$319,000 runs 46% above the HOLIDAY 34690 median — but at 1,480 sqft it's also 19% larger than the typical Holiday listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

91 days on market against a Holiday median of 37 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $329,000, now $319,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of RE/MAX CHAMPIONS · Kim Doukas. MLS #TB8501413.

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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