2814 DUNCAN TREE CIRCLE, Valrico, FL, 33594 | $565,000

Under contract-accepting backup offers. VALRICO POOL HOME - Fully upgraded 4 bedroom, 3 bathroom home with office, 3-car garage, and over 2, 500 square feet in Valrico’s Duncan Groves, offering a true three-way split floor plan, major system updates, and no CDD with low HOA. Set on a quarter-acre homesite in Flood Zone X, with the ideal combination of space, privacy, and long-term value. Enter through double glass doors with an immediate view of the pool and formal dining and flex space to the right & left of the entry, soaring ceilings, natural light, extensive crown molding, and surround sound establish a home that is upgraded and meticulously maintained. Inside, approximately 1, 400 SF of new (2025) professionally leveled tile flooring creates a seamless flow through the main living areas, complemented by updated lighting, abundant natural light, and a multi-generational layout. The kitchen is timeless and positioned at the center of the home with features including granite countertops, 42-inch custom cabinetry with crown molding, stainless steel appliances, undermount sink, breakfast bar, extended seating, and an eat-in dining area overlooking the living room and pool. The adjacent great room offers recessed lighting, upgraded industrial ceiling fan, four-panel sliding glass doors that open to your Florida Lifestyle! The primary suite is a private retreat with a spacious sitting area, tray ceilings with double crown molding, access to the lanai, and large walk-in closet with upgraded lighting. The en-suite bathroom includes dual vanities, a garden soaking tub, walk-in shower, granite counters, and a private water closet with natural light. Bedrooms two and three are positioned in their own wing with LVP flooring, crown molding, and share a full bath with granite surfaces and updated fixtures. Bedroom four is ideal for guests offering direct pool access and proximity to a full pool bath with walk-in shower. A flex space located at the rear of the home features a custom French door, custom built-in cabinetry, decorative shiplap accents, making it well-suited for a home office and more! The extended covered lanai includes dual ceiling fans, recessed lighting, outdoor speakers, and a mist fan overlooking a private pool with sun shelf, bubbler, decorative tile, and lighting. The pool can be easily converted to saltwater. Additional features include sealed pavers, white rock landscaping accents surrounding the pool cage, a screened enclosure with soffit lighting, hot tub pre-wire, and a fully fenced yard installed in 2022. Two poolside storage boxes, a mounted television, and custom cabinet on the lanai convey with the home. Major updates include a new roof in 2020, HVAC system in 2020, pool heater in 2022, water heater in 2024, water softener in 2023, and a mini-split system in the garage in 2023. The home is also pre-wired for a whole home generator and includes a security system with cameras and doorbell. The three-car garage is enhanced with insulated doors, overhead storage, LED lighting, and climate controled with a mini-split. Located in Duncan Groves, residents benefit from larger homesites, low HOA, no CDD fees, and access to a community irrigation well. Highly desirable Valrico LOCATION with convenient access to major roadways including I-75, I-4, Selmon Expressway, and nearby shopping, dining, nature parks, restaurants and all that Tampa Bay has to offer. Rare opportunity to own a move-in ready POOL home with extensive upgrades, functional floor plan, and location!

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Style: Contemporary
  • Year Built: 2003
  • Garage: 3-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air, Mini-Split Unit(s)
  • Approx Sq. Feet: 2,563
  • Acreage: 0.25
  • Est. Taxes: $5,894
  • HOA Fee: $650 Annually
  • Lot Desc: Cleared, Landscaped, Level, Oversized Lot, Sidewalk
  • Elem. School: Valrico-HB
  • Middle School: Mulrennan-HB
  • High School: Durant-HB
  • Pool: Gunite, Heated, In Ground, Outside Bath Access, Screen Enclosure
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8492590
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8492590/2814duncantreecircle_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 5/4/2026 10:32:41 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 813-685-7755

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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2814 DUNCAN TREE CIRCLE, Valrico, FL, 33594

$565,000

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 $452,000 $452,000 $452,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.313% 6.398% 5.710%
Monthly Tax Payment $491 $491 $491
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,674 $2,783 $3,691
Total Monthly Payment $3,257 $3,366 $4,274

* 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.