603 COTTAGE GROVE CIRCLE, Valrico, FL, 33594 | $499,900

BIG PRICE IMPROVEMENT! Nestled in one of Valrico's most established neighborhoods, this beautifully maintained 4-bedroom, 2-bathroom, 2-car garage (with epoxy floor) residence offers 2, 785 sq. ft. of living space on a quiet and cozy cul-de-sac, set on a 0. 30-acre fully fenced lot—with no HOA, CDD, or Flood Zone (X). Bring your toys, boats, RVs, and trailers to enjoy ultimate freedom in this thoughtfully upgraded, move-in-ready home. Notable upgrades include a • New Roof (2025) • All-New Anderson Windows (2022) • Cordless Blinds • Fresh Exterior Paint (2025) • New Gutters (2025) • Fresh Interior Paint (2022) • Updated Landscaping and Irrigation (2024) • HVAC system (2015). Step inside to discover soaring ceilings, crown molding, and rich wood-look laminate and ceramic tile floors throughout. The home features a split plan: the primary suite with an updated ensuite on the left and the other three bedrooms, with an updated guest bath, on the opposite side. All updated with laminate flooring and a water softener. The updated chef’s kitchen features granite countertops, solid wood cabinetry, stainless steel appliances, a wine/beverage refrigerator, and ample storage space. Additionally, there is a custom-built office on the back wall, perfect for working from home or catching up on emails. The spacious family room is ideal for holiday gatherings, complete with the ambiance of a beautiful wood-burning fireplace. The updated primary suite serves as a private retreat, featuring French doors that open to the lanai, a large custom walk-in closet, and a spa-like en-suite bathroom with a freestanding tub, a frameless glass shower (with wheelchair access), a state-of-the-art Blue Ocean shower panel, and double vanities. Outdoor living is equally impressive. Brand new LVP Flooring in the expansive covered patio, absolutely perfect for entertaining. The fully screened patio area includes plumbing and electrical connections, providing a great foundation for a future outdoor kitchen, entertainment space, or custom pool. Hobbyists will enjoy the 10' x 20' (approx. ) workshop featuring its own electric panel, located conveniently in the fenced backyard. This property has passed a clean 4-point inspection report, allowing you to move in immediately and potentially qualify for insurance discounts. This home offers the lifestyle and upgrades that today’s buyers are searching for. If you're ready to enjoy Florida outdoor living and entertaining, this home is perfect for you. It is zoned for top-rated schools and is conveniently located near shopping, dining, golf, and major highways. Golf enthusiasts will love Diamond Hill Golf Course, just minutes away. Located approximately 40 miles from the Gulf Beaches and at a comfortable elevation of 66 ft above sea level, you can have confidence in the safety of your investment. Commuting to the city, Tampa International Airport, and MacDill Air Force Base is less than a 30-minute drive, with easy access to I-75 and the Selmon Expressway. Plus, you’ll be just minutes from restaurants, shopping, and Florida’s top attractions. Schedule your showing before it’s gone—homes like this are selling fast! This property comes with a 2-1 rate buydown, be sure to download the attachments. One or more photos are virtually staged.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Style: Florida
  • Year Built: 1992
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,786
  • Acreage: 0.3
  • Est. Taxes: $3,206
  • Lot Desc: Cul-De-Sac, In County, Landscaped, Oversized Lot, Sidewalk, Street Dead-End
  • View: Trees/Woods
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Microwave, Range, Range Hood, Water Filtration System, Water Softener, Wine Refrigerator
  • MLS#: TB8431527
  • Days on Market: 197 days
  • Website: https://www.raveis.com
    /prop/TB8431527/603cottagegrovecircle_valrico_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 5/19/2026 5:22:20 AM)
Listing courtesy of VINTAGE REAL ESTATE SERVICES   Phone: 813-684-0001

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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

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603 COTTAGE GROVE CIRCLE, Valrico, FL, 33594

$499,900

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 $399,920 $399,920 $399,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.500% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.375% 6.638% 5.972%
Monthly Tax Payment $267 $267 $267
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,462 $2,528 $3,321
Total Monthly Payment $2,804 $2,870 $3,663

* 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.