2866 DUNCAN TREE CIRCLE, Valrico, FL, 33594 | $549,900

VALRICO POOL HOME - 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, and no CDD with low HOA. Set on a third-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. Inside, tile flooring creates a seamless flow through the main living areas, complemented by 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 family room and pool. The adjacent great room offers recessed lighting, ceiling fan, three-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 access to the lanai, and large walk-in closet. The en-suite bathroom includes dual vanities, a garden soaking tub, walk-in shower, and a private water closet with natural light. Bedrooms two and three are positioned in their own wing and share a full bath. 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 is well-suited for a home office. The extended covered screened lanai includes dual ceiling fans and overlooks the saltwater solar heated pool with sun shelf and spa, and the oversized back yard. The oversized lot is fully fenced with an 8-foot privacy fence at the rear of the property. Major updates include a new roof in 2024 and HVAC system in 2019. The three-car garage is enhanced with insulated doors and built in electric car charger. 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 have to offer. Rare opportunity to own a move-in ready POOL home with, functional floor plan, and location! Seller is a licensed real estate agent in the state of Florida.

Features

  • Rooms: 4
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2001
  • Garage: 3-car
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,576
  • Acreage: 0.32
  • Est. Taxes: $9,561
  • HOA Fee: $650 Annually
  • Lot Desc: In County, Oversized Lot, Sidewalk
  • Elem. School: Valrico-HB
  • Middle School: Mulrennan-HB
  • High School: Durant-HB
  • Pool: Gunite, Heated, In Ground, Pool Sweep, Salt Water, Screen Enclosure, Solar Heat
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8503289
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8503289/2866duncantreecircle_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 5/22/2026 6:17:10 PM)
Listing courtesy of CARRILLO REALTY PA   Phone: 813-850-9819

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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:

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Our Insurance Division:

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2866 DUNCAN TREE CIRCLE, Valrico, FL, 33594

$549,900

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 $439,920 $439,920 $439,920
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 $797 $797 $797
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,709 $2,778 $3,653
Total Monthly Payment $3,598 $3,667 $4,542

* 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.