106 PHILLIPS DRIVE, Seffner, FL, 33584 | $415,000

New adjusted price on this country charmer! If you are looking for a non-subdivision location on nearly a half an acre with NO HOA or CDD then you best make your appointment today to see this beautifully maintained and updated 3BR/2BA split bedroom plan with oversized 2 car garage with additional RV parking (with designated 30 amp outlet) and massive screened lanai and large party deck for true Florida living! This traditional floor plan offers a formal dining room and living room with bay window, plus a spacious family room with a cozy wood-burning fireplace - perfect for taking the chill out of the air and hanging your favorite stockings! Striking kitchen with white cabinetry, granite tile counter tops, newer stainless appliances, service bar, large pantry and charming breakfast nook overlooking the large, landscaped backyard. Private primary bedroom with double walk-in closets and updated en-suite bath. There is also a nice inside laundry room with built-in cabinetry and pre-plumbed for a utility sink. The over-sized two car garage is equipped with a door opener, side access door, built-in cabinets and work benches - ideal for all your DIY projects! And if you love entertaining outside with family and friends then you have got to see this backyard space. . . starting with the HUGE screen room with vintage string lighting creating the perfect ambiance for any get-together you might have. . . along with an expansive deck equipped with seating, and a firepit to top it all off! The entire backyard is fenced and landscaped - offering some shade and fruit trees and also features a small garden area - so you can start harvesting your own veggies and get your healthy on for 2026! And there's no worrying about spiking your water bill - the home is on county water, however the irrigation not only has 100% yard coverage, but is also connected to your own private well with newer pump! Added bonuses. . . roof is only 4 years old, the deck is 2 years old, and the septic tank replaced in 2017!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 102 x 197
  • Laundry: Inside, Laundry Room
  • Style: Contemporary
  • Year Built: 1976
  • Garage: 2-car Driveway, Garage Door Opener, Oversized, Workshop in Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,860
  • Acreage: 0.46
  • Lot Size: 102 x 197
  • Est. Taxes: $2,049
  • Lot Desc: In County, Landscaped, Oversized Lot
  • Elem. School: Lopez-HB
  • Middle School: Burnett-HB
  • High School: Armwood-HB
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8453072
  • Days on Market: 90 days
  • Website: https://www.raveis.com
    /prop/TB8453072/106phillipsdrive_seffner_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 3/11/2026 5:21:48 AM)

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

The HP TeamSales Associates

704.773.3309

HPTeam@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

106 PHILLIPS DRIVE, Seffner, FL, 33584

$415,000

The HP Team

Sales Associates

William Raveis Real Estate

Phone: 704.773.3309

HPTeam@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 $332,000 $332,000 $332,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.168% 5.561%
Monthly Tax Payment $171 $171 $171
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,911 $1,988 $2,669
Total Monthly Payment $2,157 $2,234 $2,915

* 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.