1009 EMERALD CREEK DRIVE, Valrico, FL, 33596 | $900,000

ASSUMABLE VA LOAN @ 3. 75% FOR QUALIFIED VA BUYERS -Hidden within the exclusive enclave of Emerald Creek, a boutique community of only 17 custom residences. Set among mature tropical landscaping and swaying palms, the property commands attention with its distinctive architecture, impeccable maintenance, and thoughtful updates throughout. Equally noteworthy is the significant investment made in the home's infrastructure and systems. Recent improvements include a new roof, three Carrier HVAC systems with transferable warranties, updated water purification equipment with reverse osmosis, new hurricane-rated windows and sliding glass doors throughout, new hurricane-rated front entry doors, upgraded pool heater and saltwater pool pump, irrigation enhancements, Leaf Filter gutter protection with a transferable lifetime warranty, updated bedroom flooring, and numerous additional improvements that reflect the exceptional care this property has received. Rich custom woodwork, handcrafted cherry and oak cabinetry, extensive millwork, soaring 12-foot ceilings, and architectural accents create a warm yet sophisticated atmosphere that is both elegant and inviting. Just off the foyer, two spacious front rooms provide incredible flexibility to suit your lifestyle. Whether envisioned as dual home offices, a formal dining room and private study, a music room, library, hobby space, or additional gathering areas, these versatile rooms can easily adapt to your needs. At the center of the home, the chef's kitchen was designed to impress, offering premium Viking appliances, including a gas range, dual oversized islands, abundant custom cabinetry, and a spacious walk-in pantry featuring handcrafted shelving. Whether hosting large gatherings or enjoying quiet evenings at home, the layout flows effortlessly into the surrounding living and entertaining spaces, where custom finishes and a striking double-sided fireplace create an unforgettable setting. The owner's retreat is a private haven, complete with a fireplace, dual walk-in closets, detailed crown molding, and a luxurious bath featuring an oversized tumbled marble shower. Three additional bedrooms provide comfortable accommodations, while the home's unique guest quarters offer exceptional flexibility. A wonderful feature of the home is the expansive Florida sunroom, complete with a full kitchen, living area, and dining space—creating the perfect setting for entertaining, holiday gatherings, game days, or simply enjoying Florida living year-round. Beyond, the property transforms into a resort-inspired retreat. A sparkling saltwater pool and heated spa are surrounded by lush landscaping, creating an atmosphere of complete privacy and relaxation. Integrated speaker wiring, security enhancements, and landscape lighting further enhance the outdoor living experience. A private irrigation well supports both the pool and the beautifully maintained grounds, providing an efficient and valuable resource for the property. The oversized three-car garage is equally impressive, offering extensive built-in storage, newer garage doors, and a custom staircase leading to substantial attic storage above. Ideally located near major commuter routes, premier golf courses, upscale shopping and dining, Tampa International Airport, and Florida's award-winning Gulf Coast beaches, this exceptional residence offers the perfect balance of privacy, convenience, and luxury living.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 90 x 212
  • Laundry: Inside, Laundry Room
  • Style: Florida, Traditional
  • Year Built: 2006
  • Garage: 3-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,784
  • Acreage: 0.44
  • Lot Size: 90 x 212
  • Est. Taxes: $10,083
  • HOA Fee: $500 Annually
  • Lot Desc: In County, Landscaped, Sidewalk
  • View: Pool, Trees/Woods
  • Elem. School: Cimino-HB
  • Middle School: Burns-HB
  • High School: Bloomingdale-HB
  • Pool: Auto Cleaner, Gunite, In Ground, Outside Bath Access, Salt Water, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Convection Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Range, Range Hood, Refrigerator, Water Filtration System
  • MLS#: TB8521781
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/TB8521781/1009emeraldcreekdrive_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 7/2/2026 6:04:58 PM)

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NMLS Mortgage Loan Originator ID 12578

203.520.1925

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Our Insurance Division:

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1009 EMERALD CREEK DRIVE, Valrico, FL, 33596

$900,000

Byran Hyatt

Sales Associate

William Raveis Real Estate

Phone: 203.554.1272

Byran.Hyatt@Raveis.com

Laurie Berger

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.520.1925

Laurie.Berger@raveis.com

NMLS Mortgage Loan Originator ID 12578

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $720,000 $720,000 $720,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.183%
Monthly Tax Payment $840 $840 $840
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,202 $4,317 $6,076
Total Monthly Payment $5,134 $5,249 $7,008

* 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.