31130 PENNY SURF LOOP, Wesley Chapel, FL, 33545 | $2,250

Welcome to your dream home at 31130 Penny Surf Loop, located in the vibrant community of Wesley Chapel, FL! This modern 3-bedroom, 2-bathroom oasis is designed to elevate your lifestyle with its charming features and spacious layout, perfect for both relaxation and entertainment. As you step inside, you'll be greeted by an inviting open floor plan that maximizes natural light throughout the living spaces. The living area flows seamlessly onto a lovely patio, creating an ideal setting for outdoor gatherings or serene morning coffee moments. This home boasts a contemporary kitchen equipped with updated appliances including a range/oven, refrigerator, microwave, dishwasher, and a convenient clothes washer and dryer, catering to your everyday needs with ease. Key features of this property include solid surface countertops that enhance both aesthetics and functionality, and beautiful tile floors that are not only stylish but also easy to maintain. The central air system ensures comfort year-round, while the added security of an alarm system gives you peace of mind. The spacious bedrooms provide the perfect personal retreats, and with an attached garage, you’ll enjoy the convenience of protected parking. Residents also benefit from community amenities that include refreshing pools and beautifully landscaped outdoor spaces, making it easy to embrace the cohesive neighborhood lifestyle. Experience living in a home where every detail has been considered for your comfort and enjoyment. This property has been meticulously maintained, and while it has been a beloved home, some minor variations in paint due to touch-ups and normal wear on carpets may exist. Don’t miss out on this opportunity for comfortable living in a sought-after area!

Features

  • Type: Single Family Residence
  • Rooms: 2
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 2022
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,516
  • Acreage: 0.12
  • Pet Policy: Cats OK, Dogs OK, Pet Deposit
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8485127
  • Days on Market: 21 days
  • Website: https://www.raveis.com
    /prop/TB8485127/31130pennysurfloop_wesleychapel_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 4/8/2026 2:53:54 AM)
Listing courtesy of SPARTAN PROPERTY MANAGEMENT   Phone: 813-846-2753

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.

Customer Service

888.699.8876

Contact@raveis.com

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

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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

31130 PENNY SURF LOOP, Wesley Chapel, FL, 33545

$2,250

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 $1,800 $1,800 $1,800
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.520% 5.880%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $11 $11 $15
Total Monthly Payment $86 $86 $90

* 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.