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$600,000

5104 WHISPERING LEAF TRAIL, VALRICO, FL 33596

3D Tour
Active10 days on market

Beds

4

Baths

3

Sq Ft

2,880 sq ft

Year Built

2002

Lot Size

0.48 acres

Garage

,

About This Property

Welcome to this beautiful pool home nestled in the highly desirable Twin Lakes community, where picturesque lakes, majestic oak trees, and a 15-acre community park create a peaceful setting in the heart of Valrico. Surrounded by the natural beauty of Lake Michaela and Lake Stearns, Twin Lakes offers an established neighborhood feel with plenty to enjoy right outside your door. Set on an oversized lot just under half an acre, this 4-bedroom, 2.5-bath home offers a spacious two-story layout, flexible living spaces, and a private backyard with a sparkling pool! Several important updates have already been completed, including a roof replaced in 2023, A/C in 2020, gas water heater in 2021, kitchen appliances in 2020, primary bathroom remodel in 2026, and pool filter cartridge replaced in 2026. Step inside to a bright and welcoming floor plan with formal living and dining spaces at the front of the home, providing plenty of room for entertaining or everyday flexibility. The updated kitchen features Silestone quartz countertops, updated cabinetry, ample prep and storage space, and a functional layout that opens to the family room. A fireplace anchors the family room, creating an inviting gathering space with views of the backyard. Adding even more versatility is a spacious bonus room that can easily serve as a home office, media room, game room, gym, or additional living area. Upstairs, the primary suite offers plenty of room for a sitting area along with a private en-suite bathroom remodeled in 2026. The additional bedrooms provide comfortable space for family, guests, or a home office, while the flexible fourth-bedroom/loft space allows the layout to adapt to your needs. Outside, enjoy your own private Florida retreat with a sparkling pool and an expansive backyard. With just under half an acre, there is plenty of room to entertain, enjoy the outdoors, garden, or simply relax poolside. Twin Lakes offers a wonderful Valrico location convenient to shopping, dining, recreation, and major roadways. With its oversized homesite, pool, flexible floor plan, and valuable updates already completed, this home brings together space, functionality, and the established community setting that makes Twin Lakes such a special place to call home!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8555813
StatusActive
Year Built2002
Total Rooms10
ConstructionBlock, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesSoutheast
SubdivisionTWIN LAKES PARCELS D1 D3 & E
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), High Ceilings, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
FlooringCarpet, Tile, Hardwood
AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Range
LaundryInside, Laundry Room
WindowsBlinds
CoolingCentral Air, Zoned
HeatingCentral
FireplaceYes ()
SecuritySecurity System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorFrench Doors, Irrigation System, Private Entrance, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.48 acres (21,015 sq ft)
Lot FeaturesCleared, In County, Landscaped, Near Golf Course, Oversized Lot, Sidewalk
Road SurfacePaved, Asphalt
ViewPool, Trees/Woods

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground, Gunite, Screen Enclosure

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Fire Hydrant, Phone Available, Propane, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected

Parking

GarageYes

HOA & Community

HOAYes
HOA Fee$299 / Quarterly
Senior CommunityNo

Financial Details

List Price$600,000
Annual Taxes$5,101 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U0430215LTD0000000013.0

Schools

ElementaryLithia Springs-HB
MiddleRandall-HB
HighBloomingdale-HB

Directions

heading US-301 S, Use the left 3 lanes to turn left onto Bloomingdale Ave, Turn left onto Lake Michaela Blvd, Turn left onto Whispering Leaf Trail, Destination will be on the left: 5104 Whispering Leaf Trail, Valrico, FL 33596

Location

5104 WHISPERING LEAF TRAIL, VALRICO, FL 33596

Listing Information

OfficeKELLER WILLIAMS SOUTH TAMPA
ListedOctober 8, 2026

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Home Price

$600,000

20% ($120,000)
6.75%

Loan Term

Principal & Interest$3,113
Property Tax (est.)$550
Insurance (est.)$150
Total Monthly$3,813
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $600,000 home in VALRICO.

🏛️

FHA Loan

$21,000 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

$30,000 Down

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

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: October 18, 2026.

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