2866 DUNCAN TREE CIRCLE, VALRICO, FL, 33594
Active95 days on marketListed May 1, 2026MLS #TB8503289
About this home
2866 DUNCAN TREE CIRCLE
VALRICO POOL HOME! This beautifully maintained 4-bedroom, 3-bath home with a dedicated office/den, 3-car garage, and solar-heated saltwater pool and spa offers more than 2,500 square feet of thoughtfully designed living space in the highly desirable Duncan Groves community. Featuring a true three-way split floor plan, this home provides exceptional privacy and flexibility for families, guests, or multigenerational living. With NO CDD, a low HOA, A-rated schools, Flood Zone X, and a spacious one-third-acre homesite, this property delivers the perfect combination of comfort, functionality, and long-term value. Double glass front doors welcome you into a light-filled interior with soaring ceilings, elegant crown molding, surround sound, and beautiful views of the pool. Formal living and dining rooms flank the foyer, creating flexible spaces for entertaining or additional living areas. Tile flooring flows throughout the main living spaces, enhancing the home's open and inviting feel. At the heart of the home, the timeless kitchen features granite countertops, 42-inch custom cabinetry with crown molding, stainless steel appliances, an undermount sink, breakfast bar, extended seating, and a sunny breakfast nook overlooking the family room and pool. The adjacent great room is highlighted by recessed lighting, a ceiling fan, and expansive three-panel sliding glass doors that seamlessly blend indoor and outdoor living. The private primary suite is a relaxing retreat with tray ceilings, a spacious sitting area, direct lanai access, and a large walk-in closet. The luxurious ensuite bath offers dual vanities, a garden soaking tub, walk-in shower, and a private water closet with natural light. Bedrooms two and three occupy their own wing and share a full bathroom, while the fourth bedroom is perfectly positioned for guests with direct access to the lanai and an adjacent pool bath featuring a walk-in shower. A separate office/den at the rear of the home provides an ideal space for working remotely, studying, or hobbies. Step outside to enjoy true Florida living. The extended covered and screened lanai, complete with dual ceiling fans, overlooks the solar-heated saltwater pool with sun shelf and spa and a generously sized backyard. The oversized homesite is fully fenced and features an 8-foot privacy fence across the rear of the property, creating an ideal setting for entertaining, relaxing, or play. Recent improvements provide added peace of mind, including a new roof (2024), new HVAC system (2019), and new bedroom carpet (2026). The oversized three-car garage includes insulated garage doors and a built-in electric vehicle charger. Residents of Duncan Groves enjoy larger homesites, low HOA fees, no CDD, and the added benefit of a community irrigation well. Conveniently located near I-75, I-4, and the Selmon Expressway, this home offers easy access to Tampa, MacDill AFB, shopping, dining, parks, recreation, and everything the Tampa Bay area has to offer. This is a rare opportunity to own a move-in-ready pool home that combines an outstanding floor plan, exceptional outdoor living, and one of Valrico's most sought-after locations. Seller is a licensed real estate agent in the State of Florida.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,576
Sqft
0.32 ac
Lot size
3
Garage
2001
Year built
One
Levels
$208
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.
$4,397 /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
$4,397/mo
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.
vs edgeAI estimate
−5.6%
$/sqft vs Valrico actives
$208 vs $214
Days on market
95 vs 37 typical
Where $208/sqft sits among the 190 Valrico 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 Duncan Groves
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Duncan Groves — neighborhood snapshot
Population
882
Median age
44
Median income
$121,563
Median home value
$407,600
Avg household
3
Households w/ children
114
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico market
$450K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
102 of 190
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 2866 DUNCAN TREE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$549,900
2819 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,584 sqft · $213/sqft · 5 DOM
Sold · May ’26$565,000
2814 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,563 sqft · $220/sqft · 2 DOM
Sold · Dec ’25$545,000
2864 DUNCAN TREE CIRCLE · same community
4 bd · 3 ba · 2,440 sqft · $223/sqft · 47 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2866 DUNCAN TREE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2866 DUNCAN TREE CIRCLE — 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.
Straight answers
2866 DUNCAN TREE CIRCLE FAQs
What would the monthly payment be for 2866 DUNCAN TREE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,397/mo — principal and interest, the actual property-tax bill, the $54/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 2866 DUNCAN TREE CIRCLE?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2866 DUNCAN TREE CIRCLE?+
The most recent tax bill on record (2025) was $9,561. 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 2866 DUNCAN TREE CIRCLE?+
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 Valrico?+
At $535,000, this home is listed about 14% above the Valrico median of $469,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2866 DUNCAN TREE CIRCLE?+
Valrico Elementary School (elementary), Mulrennan Middle School (middle), Durant 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
Five things that matter here
01Positioned at the premium end
$535,000 runs 29% above the VALRICO 33594 median — but at 2,576 sqft it's also 16% larger than the typical Valrico listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
95 days on market against a Valrico median of 37 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Valrico Elementary School, Mulrennan Middle School, Durant High School, Patricia Sullivan Metropolitan Ministries Partnership School — Valrico Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $549,900, now $535,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CARRILLO REALTY PA · Kathleen McAdam. MLS #TB8503289.
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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