2808 DUNCAN TREE CIRCLE, Valrico, FL, 33594 | $564,900

Under contract-accepting backup offers. Lowest priced home price / sq. ft. in Duncan Grove! 4 Bedrooms + Den | 3 Bathrooms | Nearly ½-Acre Lot | No Flood Insurance Required
Updated single-family residence located in the non-gated Duncan Groves community. This home offers 4 bedrooms plus a den, 3 bathrooms, and is situated on a nearly half-acre, fully fenced lot with mature landscaping. Total square footage is 3, 683 sq. ft. , with 2, 721 sq. ft. under air.
Recent updates include fresh exterior paint and luxury vinyl flooring throughout. Interior features include vaulted and volume ceilings, a foyer entry, formal dining area, and a great room with large sliding glass doors providing abundant natural light. Additional features include crown molding, decorative niches, ceiling fans, chandeliers, custom plantation shutters, and tall baseboards.
The kitchen is equipped with stainless steel appliances, granite countertops, a stylish & decorative backsplash above the cooktop, an 8-foot double-door built-in pantry, coffee station, and breakfast bar. Dining area is adjacent to the kitchen and provides access to a paved and screened lanai measuring approximately 350 sq. ft. Plenty of room for future outdoor kitchen.
Split-bedroom floor plan with all bedrooms featuring walk-in closets and built-in shelving. The primary suite includes dual sinks, vanity area, garden tub, separate shower, and private water closet. Bedrooms 2 and 3 share a Jack-and-Jill bathroom with dual sinks and tub/shower combination. Bedroom 4 and the 3rd bathroom are located near the living area; the 3rd bathroom includes a step-in shower and offers potential access to the exterior.
Additional features include a separate laundry room with washer and dryer, water softener system, and a three-car garage with attic access. Located near A-rated schools. Standard 1year home warranty plan included.

Features

  • Rooms: 13
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 108.97 x 176
  • Laundry: Laundry Room
  • Style: Traditional
  • Year Built: 2001
  • Garage: 3-car Driveway, Garage Door Opener, Ground Level, Oversized
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,721
  • Acreage: 0.44
  • Lot Size: 108.97 x 176
  • Est. Taxes: $3,792
  • HOA Fee: $650 Annually
  • Lot Desc: Irregular Lot, Oversized Lot, Private
  • View: Garden
  • Elem. School: Valrico-HB
  • Middle School: Mulrennan-HB
  • High School: Durant-HB
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Freezer, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Water Softener
  • MLS#: A4676178
  • Days on Market: 82 days
  • Website: https://www.raveis.com
    /prop/A4676178/2808duncantreecircle_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 3/18/2026 5:58:14 AM)
Listing courtesy of ROELENS REALTY & PROPERTY MANAGEMENT   Phone: 239-887-7674

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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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2808 DUNCAN TREE CIRCLE, Valrico, FL, 33594

$564,900

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 $451,920 $451,920 $451,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.292% 5.648%
Monthly Tax Payment $316 $316 $316
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,602 $2,746 $3,663
Total Monthly Payment $3,010 $3,154 $4,071

* 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.