346 SUMMER SAILS DRIVE, VALRICO, FL, 33594
Active9 days on marketListed Jul 15, 2026MLS #TB8528841
About this home
346 SUMMER SAILS DRIVE
Why settle when you can have more? Welcome to this move-in ready Valrico home that checks all the boxes: 3 bedrooms, 2 bathrooms, no carpet, a spacious open floor plan and a large gated CORNER LOT that's perfect for entertaining, pets or simply enjoying your own outdoor space. The kitchen features a gas range, stainless steel appliances and seamless views into the living and dining areas, making everyday living easy. Best of all? The completely PAID OFF SOLAR PANELS giving you the opportunity to enjoy energy savings from day one. Add in NO CDD, a low HOA and a location that's just minutes from shopping, restaurants and everything Brandon and Valrico, and you've found one of the best values under $300,000. Welcome home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,206
Sqft
0.14 ac
Lot size
1
Garage
2004
Year built
One
Levels
$236
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.
$2,254 /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
$2,254/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
+3.5%
$/sqft vs Valrico actives
$236 vs $218
Days on market
9 vs 34 typical
Where $236/sqft sits among the 193 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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,300/mo median
Live Valrico rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Somerset is a short-term-rental community. See the full guide →
Somerset — neighborhood snapshot
Population
1,623
Median age
40
Median income
$96,090
Median home value
$380,252
Avg household
3
Households w/ children
216
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
$445K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
108 of 193
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 346 SUMMER SAILS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$275,000
456 SUMMER SAILS DRIVE · same community
3 bd · 2 ba · 1,182 sqft · $233/sqft · 216 DOM
Sold · Apr ’26$255,000
755 CAPE COD CIRCLE
3 bd · 2 ba · 1,233 sqft · $207/sqft · 79 DOM
Sold · Jan ’26$220,990
807 CAPE COD CIRCLE
3 bd · 2 ba · 1,272 sqft · $174/sqft · 115 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 346 SUMMER SAILS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 346 SUMMER SAILS 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.
Straight answers
346 SUMMER SAILS DRIVE FAQs
What would the monthly payment be for 346 SUMMER SAILS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,254/mo — principal and interest, the actual property-tax bill, the $53/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 346 SUMMER SAILS DRIVE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 346 SUMMER SAILS DRIVE?+
The most recent tax bill on record (2025) was $2,851. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 346 SUMMER SAILS DRIVE be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 346 SUMMER SAILS 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 Valrico?+
At $285,000, this home is listed about 40% below the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 346 SUMMER SAILS DRIVE?+
Mulrennan Middle School (middle), Nelson Elementary School (elementary), 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
Three things that matter here
01Under the VALRICO 33594 market on paper
$285,000 is 31% below the VALRICO 33594 median of $414,900.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $289,000, now $285,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ALIGN RIGHT REALTY RIVERVIEW · Kaylani Campbell. MLS #TB8528841.
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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