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$425,000

3822 COLD CREEK DRIVE, VALRICO, FL 33594

3D Tour
Active5 days on market

Beds

3

Baths

2

Sq Ft

1,916 sq ft

Year Built

1989

Lot Size

0.18 acres

Garage

2

About This Property

Welcome to this inviting 3-bedroom, 2-bath home featuring a split-bedroom floor plan, vaulted ceilings, and an oversized 2-car garage. A distinctive brick exterior, tropical landscaping, and red double entry doors create a memorable first impression. Inside, the spacious family room sits at the heart of the home, where a beautiful brick fireplace with a wood mantel provides a warm focal point, and expansive sliding glass doors open to the large covered, screened lanai overlooking the fenced backyard. The adjoining kitchen offers stainless steel appliances, ample counter and cabinet space, a breakfast bar, and a pantry, keeping everyday living and entertaining comfortably connected. A separate dining area with a striking arched window adds charm and flexibility for gatherings. The primary suite features French doors to the lanai and a spacious en-suite bathroom with a separate garden tub, while the split layout provides separation from the additional bedrooms. An interior laundry room adds convenience. Enjoy morning coffee or unwind outdoors on the generous lanai, with backyard space to garden, play, or personalize. Set on a quiet lot with mature oak trees and located near Alafia Elementary and the YMCA, this home blends architectural character, comfortable living spaces, and the opportunity to make it your own.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8558999
StatusActive
Year Built1989
Total Rooms8
ConstructionBlock, Brick
RoofShingle
FoundationSlab
FacesNorth
SubdivisionBLOOMINGDALE SECTION P Q
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Primary Bedroom Main Floor, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Electric Water Heater, Range, Refrigerator
LaundryInside, Laundry Room
WindowsBlinds, Window Treatments
CoolingCentral Air
HeatingCentral
FireplaceYes ()
SecurityMedical Alarm, Security System Owned

Exterior & Lot

ExteriorIrrigation System
Lot Size0.18 acres (8,050 sq ft)
Lot FeaturesIn County
Road SurfaceAsphalt, Paved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Public

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$40 / Annually
Senior CommunityNo

Financial Details

List Price$425,000
Annual Taxes$884 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD-MU
Parcel #U07302136E00000500027.0

Schools

ElementaryAlafia-HB
MiddleBurns-HB
HighBloomingdale-HB

Directions

Bloomingdale Rd south to right on Culbreath to left onto Treeline to right on Cold Creek Dr.

Location

3822 COLD CREEK DRIVE, VALRICO, FL 33594

Listing Information

OfficeFUTURE HOME REALTY INC
ListedOctober 16, 2026

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Home Price

$425,000

20% ($85,000)
6.75%

Loan Term

Principal & Interest$2,205
Property Tax (est.)$390
Insurance (est.)$150
Total Monthly$2,745
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $425,000 home in VALRICO.

🏛️

FHA Loan

$14,875 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

$21,250 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 21, 2026.

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