3949 APPLETREE DRIVE, VALRICO, FL, 33594
Active2 days on marketListed Jul 28, 2026MLS #TB8533276
About this home
3949 APPLETREE DRIVE
Set within the quiet, established community of Bent Tree, this move-in-ready pool home offers nearly 2,800 square feet of thoughtfully designed living space on a beautifully landscaped .39-acre lot. With just over 50 homes in the neighborhood, the setting feels private and peaceful while remaining convenient to top-rated schools, shopping, dining, and entertainment. A tiled entry opens to formal living and dining spaces, while the desirable split-bedroom floor plan provides privacy throughout. The spacious primary suite is positioned on one side of the home and features a vaulted ceiling, ceiling fan, generous closet space, and a versatile bonus area ideal for a home office, reading nook, den, or additional dressing space. The primary bathroom includes a soaking tub, walk-in shower, vanity, and a separate private commode area with an additional sink and vanity. Three secondary bedrooms are located in their own wing and share a well-appointed guest bathroom with a granite vanity, tiled tub and shower combination, and direct access to the pool area. At the heart of the home, the kitchen features wood cabinetry, stainless steel appliances, reverse-osmosis filtration, breakfast bar seating, and an eat-in dining area with a built-in corner bench. Overlooking the family room, the open layout creates an easy flow for everyday living and entertaining. The family room is highlighted by vaulted ceilings and a striking brick wood-burning fireplace updated with a German schmear finish, new mantel, and fireplace doors. Glass sliders lead to the tiled Florida room, where a wet bar and two sets of triple sliding doors frame views of the screened saltwater pool. The outdoor living space is surrounded by lush landscaping and offers plenty of room to relax, entertain, garden, or gather around the fire pit. The fully fenced backyard includes new grass, raised garden beds, a garden arch, compost area, succulent garden, mature fruit trees, colorful plantings, and updated irrigation. Major improvements provide added peace of mind, including a 2022 roof, 2023 HVAC system, 2023 septic system, 2024 water softener, 2024 reverse-osmosis system, mostly updated windows from 2024, and a 2026 water heater. The pool has also been refreshed with a 2026 pump and filter, a 2024 salt cell, and a replaced main drain cover. Additional updates include fresh interior paint, new switches and outlets, blinds, window treatments, closet doors, shelving, lighting, pantry storage, and laundry-room shelving. A three-car garage, extensive landscaping, and numerous conveying storage and seating features complete this exceptionally well-maintained Bent Tree home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,795
Sqft
0.39 ac
Lot size
3
Garage
1992
Year built
One
Levels
$224
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.
$4,486 /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
$4,486/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
+13%
$/sqft vs Valrico actives
$224 vs $215
Days on market
2 vs 34 typical
Where $224/sqft sits among the 185 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 Bent Tree
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Bent Tree — neighborhood snapshot
Population
1,530
Median age
59
Median income
$61,417
Median home value
$78,500
Avg household
2
Households w/ children
85%
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)
102 of 185
Valrico actives have cut their price
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
Reality check
What actually sold near 3949 APPLETREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$575,000
3931 APPLETREE DRIVE · same community
4 bd · 2.5 ba · 2,796 sqft · $206/sqft · 41 DOM
Sold · Apr ’26$1,175,000
172 Bent Tree Drive, Palm Beach Gardens FL 33418 · same community
5 bd · 3 ba · 2,856 sqft · $411/sqft · 29 DOM
Sold · Nov ’25$750,000
4762 MEREDITH LANE · same community
4 bd · 3 ba · 3,025 sqft · $248/sqft · 24 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 3949 APPLETREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3949 APPLETREE 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
3949 APPLETREE DRIVE FAQs
What would the monthly payment be for 3949 APPLETREE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,486/mo — principal and interest, the actual property-tax bill, the $33/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 3949 APPLETREE DRIVE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3949 APPLETREE DRIVE?+
The most recent tax bill on record (2025) was $8,236. 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 3949 APPLETREE 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 $625,000, this home is listed about 32% above the Valrico median of $474,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3949 APPLETREE DRIVE?+
Buckhorn 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
Three things that matter here
01Positioned at the premium end
$625,000 runs 50% above the VALRICO 33594 median — but at 2,795 sqft it's also 25% 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.
03Fresh on the market
Only 2 days on market in a Valrico market that averages 34 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY LLC · Andrew Duncan. MLS #TB8533276.
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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