10885 PENNY GALE LOOP, San Antonio, FL, 33576 | $360,000

Life in Mirada means waterfront sunsets, sandy toes, paddleboards and the energy of living in a community centered around the country’s largest lagoon. Located in this vibrant and growing destination, this four-bedroom, 2. 5-bath, two-car garage, two-story home places you right in the heart of the action while offering the space and layout today’s homeowners love. A sweeping, connected, open-concept first floor is designed to bring people together. The spacious living room flows easily into the kitchen and dining area, creating a layout that feels open, inviting and ideal for hosting friends or settling in for a relaxing evening at home. Sliding glass doors in the generous dining room lead directly to the open patio, bringing in natural light and offering an easy transition to outdoor living. Guests will appreciate the conveniently located oversized half bath on the main floor. At the center of it all, the kitchen is focused on style and practicality. Sleek stainless-steel appliances complement espresso-colored cabinetry, while the large granite-topped island with breakfast bar seating naturally becomes a favorite gathering spot. A huge walk-in pantry keeps everything organized, and the nearby under-stair storage closet adds even more space for bulk shopping or seasonal items. Head upstairs along the carpeted staircase to a versatile loft space complete with a storage closet. This flexible area works beautifully as a playroom, home office, or quiet reading retreat. All four bedrooms, two full baths, and the laundry room are thoughtfully located on the second floor. The primary suite offers a spacious retreat with an en suite bath featuring dual sinks, a walk-in shower and a private water closet. The walk-in closet is truly impressive, offering upgraded lighting, a window for natural light, built-in organizers, and even room for seating. Three additional bedrooms are comfortably sized with carpet flooring and built-in closets. They share the home’s second full bath, which includes dual sinks and a tub and shower combination. Step outside to the open patio and enjoy the peaceful view, the perfect place for morning coffee or unwinding after a long day. When adventure calls, Mirada’s famous lagoon is just minutes away, offering swimming, kayaking, paddleboarding, waterfront cabanas, sandy beaches, swim-up bars and lively community events that bring neighbors together. With convenient access to local hotspots, shopping, dining, and major highways, this home is your gateway to the Mirada lagoon lifestyle. Home includes solar panels with flexible/negotiable options for buyers. Call today to schedule your private showing!

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room, Upper Level
  • Year Built: 2021
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,260
  • Acreage: 0.15
  • Est. Taxes: $7,082
  • HOA Fee: $271 Quarterly
  • Lot Desc: In County, Sidewalk
  • Elem. School: San Antonio-PO
  • Middle School: Pasco Middle-PO
  • High School: Pasco High-PO
  • Pet Policy: Number Limit, Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8484240
  • Days on Market: 72 days
  • Website: https://www.raveis.com
    /prop/TB8484240/10885pennygaleloop_sanantonio_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 5/23/2026 12:38:24 AM)

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NMLS Mortgage Loan Originator ID 1500191

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10885 PENNY GALE LOOP, San Antonio, FL, 33576

$360,000

William Raye

Luxury Properties Specialist

William Raveis Real Estate

Phone: 617.953.7959

William.Raye@raveis.com

Kate Rockett

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 617.281.4872

Kate.Rockett@raveis.com

NMLS Mortgage Loan Originator ID 1500191

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $288,000 $288,000 $288,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $590 $590 $590
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,773 $1,818 $2,392
Total Monthly Payment $2,438 $2,483 $3,057

* 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.