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$439,900

115 TEN OAK PLACE, VALRICO, FL 33594

3D Tour
Active118 days on market

Beds

4

Baths

3

Sq Ft

2,235 sq ft

Year Built

1961

Lot Size

0.45 acres

Garage

—

About This Property

Back on the market! Due to buyer financing falling through, this home is available once again. If you missed it the first time, now is your chance. This home has already appraised, offering an added level of confidence for the next buyer. Schedule your showing today before it's gone! Preferred lender with CNC Mortgage is offering up to $2,500 in lender credits when buyers use their financing services. This property has NO HOA and NO water bill, as the home is on a well system. All appliances will convey, including two French-door refrigerators (one replaced approximately one year ago), a brand-new LG washer and dryer, and an LG dishwasher. The property also includes a large metal shed, a large wooden shed, and a chicken coop. Additional updates and features include a brand-new mini split installed upstairs for heating and cooling, Culligan PRO water softening service paid through the remainder of the year, AC maintenance completed in March, ductwork replaced in 2022, and the septic system replaced in February 2022 and pumped again in February 2025, giving the new owners peace of mind for years to come. The driveway, front walkway, second-story walkway, and back patio were also completed in 2022. This home offers incredible value with major system updates already completed. This beautifully, move-in-ready home is offering the perfect combination of comfort, flexibility, and modern updates. With 2,235 square feet of living space, the thoughtfully designed layout accommodates a variety of living arrangements, including multi-generational households, guests, or work-from-home needs. A standout feature is the private upstairs 1-bedroom, 1-bath apartment—perfect for extended family, guests, a home office, or potential rental income. Step outside to enjoy the large backyard and patio with plenty of room for gatherings, play, pets, or future outdoor additions. Conveniently located near shopping, dining, schools, and commuter routes. Don’t miss your opportunity to own this versatile Valrico property!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8506099
StatusActive
Year Built1961
Total Rooms9
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionUNPLATTED
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Solid Wood Cabinets, Stone Counters
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer, Water Softener
LaundryLaundry Room
CoolingCentral Air, Wall/Window Unit(s)
HeatingCentral, Electric
FireplaceYes ()

Exterior & Lot

ExteriorLighting, Other
Lot Size0.45 acres (19,602 sq ft)
Road SurfaceDirt
0

Utilities

WaterWell
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Electricity Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$439,900
Original Price$459,900
Annual Taxes$5,085 (2025)
ZoningRSC-6
Parcel #U302921ZZZ00000415530.0

Schools

ElementaryValrico-HB
MiddleMulrennan-HB
HighDurant-HB

Directions

From I-75, take Exit 257 for FL-60 East toward Brandon/Valrico. Continue east on Hwy 60 for approximately 6 miles, then turn right onto St. Cloud Avenue. Proceed south to Ten Oak Place and turn onto the private road. Follow Ten Oak Place to 115 Ten Oak Place, located toward the end of the street.

Location

115 TEN OAK PLACE, VALRICO, FL 33594

Listing Information

OfficeREAL BROKER, LLC
ListedMay 6, 2026

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Home Price

$439,900

20% ($87,980)
6.75%

Loan Term

Principal & Interest$2,283
Property Tax (est.)$403
Insurance (est.)$150
Total Monthly$2,836
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $439,900 home in VALRICO.

🏛️

FHA Loan

$15,397 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$21,995 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: September 28, 2026.

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