$660,000
12890 PAYTON STREET, ODESSA, FL 33556
Beds
4
Baths
3
Sq Ft
2,881 sq ft
Year Built
2018
Lot Size
0.13 acres
Garage
2
About This Property
Beautiful 4-bedroom, 3-bathroom home with a loft in highly sought-after Starkey Ranch! This well-appointed home features tile flooring throughout, elegant tray ceilings, numerous builder upgrades, and a 2-car garage. The spacious loft offers flexible space for a home office, media room, or additional living area. Enjoy Florida outdoor living from the seller-added screened-in lanai, perfect for relaxing or entertaining. A water softener was also added by the seller for added convenience. Located in a desirable community with A-rated schools, exceptional amenities, parks, trails, shopping, dining, and convenient access to major roadways. A wonderful opportunity to enjoy the Starkey Ranch lifestyle!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From SR-54, head north on Suncoast Parkway/FL-589. Take the SR-54 exit and travel west, then follow local roads into Starkey Ranch. Continue to Payton Street and follow to 12890 Payton St.
Location
12890 PAYTON STREET, ODESSA, FL 33556
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$660,000
Loan Term
How to Buy This Home
Multiple financing options available for this $660,000 home in ODESSA.
🏛️
FHA Loan
$23,100 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
$33,000 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
Pasco County SHIP
Varies
Income-qualifying Pasco 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 12, 2026.