1301 MONTE LAKE DRIVE, Valrico, FL, 33596 | $512,900

Under contract-accepting backup offers. FULLY PAID-OFF WHOLE HOME SOLAR SYSTEM = NEARLY ZERO ELECTRIC BILLS FOR DECADES! Enjoy the incredible value and peace of mind of owning a home where electric costs are virtually eliminated—current owners average less than $25/month, making high utility bills a thing of the past. With a fully owned system (not leased), buyers can expect massive long-term savings for years to come. Located in the highly desirable Bloomingdale community with NO HOA or CDD, this updated 4-bedroom, 2-bath, 2-car garage pool home offers over 2, 200 sq ft of living space and nearly 2, 900 sq ft under roof. Nestled in a golf course community with top-rated schools, parks, and scenic walking trails, this home combines lifestyle and location. Extensive updates provide true move-in-ready convenience, including: roof (2020), HVAC (2020), water heater (2020), kitchen and bathrooms (2020), garage door (2020), pool pump (2024), impact windows throughout (2023), extended screened pool enclosure and patio (2023), and pool heater (2023). The standout feature—the fully paid solar system—delivers unmatched efficiency and long-term financial benefit. The kitchen is beautifully appointed with granite countertops, stainless steel appliances, rich mahogany cabinetry, designer backsplash, center island, closet pantry, tile flooring, and a cozy eat-in nook. The home features separate living, dining, and family rooms with high ceilings and abundant natural light, along with tile and laminate flooring throughout. The spacious owner’s suite includes a walk-in closet, dual granite vanity, garden tub with separate shower, and French doors leading directly to the pool area. Step outside to your private oasis featuring a heated, screened pool, extended lanai perfect for entertaining, and a fully fenced backyard. Bloomingdale offers exceptional amenities including golf, tennis, pickleball, racquetball, basketball, YMCA, baseball fields, parks, trails, and multiple schools within the community. Conveniently located near shopping, dining, medical facilities, and major roadways including I-75, I-4, and the Selmon Expressway for easy access to Tampa and MacDill AFB. Move-in ready, energy-efficient, and packed with upgrades—this is Florida living at its best with built-in savings from day one.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 1986
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,222
  • Acreage: 0.01
  • Est. Taxes: $83
  • Elem. School: Cimino-HB
  • Middle School: Burns-HB
  • High School: Bloomingdale-HB
  • Pool: Heated, In Ground
  • Appliances: Dishwasher, Range, Water Softener
  • MLS#: TB8466186
  • Days on Market: 102 days
  • Website: https://www.raveis.com
    /prop/TB8466186/1301montelakedrive_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 5/15/2026 11:38:16 AM)
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE   Phone: 813-839-3800

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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:

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1301 MONTE LAKE DRIVE, Valrico, FL, 33596

$512,900

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 $410,320 $410,320 $410,320
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.730%
Monthly Tax Payment $7 $7 $7
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,457 $2,560 $3,350
Total Monthly Payment $2,556 $2,659 $3,449

* 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.