12770 PALAPA LOOP, Spring Hill, FL, 34610 | $419,000

One or more photo(s) has been virtually staged. Welcome home to this stunningly elegant and immaculately maintained Centex Homes Palm Model, built in 2020 and situated on a spacious, just under ¼-acre premium pond homesite in the highly desirable community of Talavera! Boasting 2, 484 square feet of living space, this 4-bedroom with a 3-car garage home features a thoughtfully designed layout and custom upgrades throughout, beginning with a grand trussed front entrance with stone elevation and glass inlay that opens to a spacious foyer with access to a flex room—ideal for a home office, den, or bonus space. The formal dining room flows effortlessly into the open-concept main living area, where the upgraded kitchen impresses with stone countertops, staggered cabinetry with crown molding, tile backsplash, pendant lighting, stainless steel appliances, an oversized eat-in island with large single basin sink, separate café area, and large walk-in pantry. Additional highlights include upgraded baseboards, neutral paint, 8-foot doorways, and tile flooring throughout the main living areas. The oversized owner’s suite offers direct pond views, dual closets, and a beautifully appointed en suite bathroom featuring a large step-in shower with upgraded shower head, dual vanities, linen closet, private water closet, and glass shower enclosure. The additional bedrooms are generously sized, positioned in a true split-floor plan for privacy near a large bathroom and extra storage closet. Bathroom 2 features its own private water room with pocket door and tub—ideal for guests or multigenerational living. A spacious interior laundry room with utility sink provides convenience with corridor access. Outdoors, enjoy a true retreat on the oversized trussed lanai overlooking one of Talavera’s largest ponds—perfect for entertaining or relaxing in privacy. Additional upgrades include an in-floor outlet in the living room, water softener, rack storage in the garage, and an additional window. Located in the resort-style community of Talavera, residents enjoy a zero-entry pool, splash pad, clubhouse, cabanas, tennis and basketball courts, playground, and weekend food trucks, with easy access to US-41, SR-52, and the Suncoast Parkway—making this exceptional home the perfect blend of size, style, lifestyle, and location. Schedule your private showing today—this one won’t last long!

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Lobby Key Required, Playground, Tennis Court(s)
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Corridor Access, Electric Dryer Hookup, Inside, Laundry Room, Other, Washer Hookup
  • Style: Contemporary, Traditional
  • Year Built: 2020
  • Garage: 3-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,484
  • Acreage: 0.21
  • Est. Taxes: $7,033
  • HOA Fee: $261 Annually
  • Lot Desc: Landscaped, Sidewalk
  • View: Water
  • Elem. School: Mary Giella Elementary-PO
  • Middle School: Crews Lake Middle-PO
  • High School: Land O' Lakes High-PO
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
  • MLS#: TB8432628
  • Days on Market: 95 days
  • Website: https://www.raveis.com
    /prop/TB8432628/12770palapaloop_springhill_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/12/2026 11:35:10 PM)
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP   Phone: 813-908-8788

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12770 PALAPA LOOP, Spring Hill, FL, 34610

$419,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $335,200 $335,200 $335,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.144% 5.415%
Monthly Tax Payment $586 $586 $586
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,930 $2,008 $2,673
Total Monthly Payment $2,591 $2,669 $3,334

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.