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3728 Cold Creek Dr, Valrico, FL, 33596

$249/sqft·Bloomingdale Sec P Q

4 bd3 ba2,321 sqft2 car garageSingle Family
Listed by RDS REALTY, LLC· Last updated · MLS# O6419543

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Est. monthly payment
$3,882/mo
Down payment (20%)
$115,800
Property taxes
$573/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1996
Private pool
In Ground
2 car garage
8,050 sqft lot
Lot size
2,321 sqft
Living area

About this home

ThermostatSidewalkDishwasherMicrowaveRangeRefrigerator

3728 Cold Creek Dr is a 1996-built home in Bloomingdale Sec P Q, Valrico. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,321 square feet of living space. Listed at $579,000 (about $249/sqft), 62 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Fully renovated luxury pool home with no HOA, offering 4 spacious bedrooms, a versatile bonus room, 3 beautifully updated bathrooms, and an oversized 2-car garage. This exceptional residence features an open-concept design with high-end finishes throughout, including a stunning gourmet kitchen with natural stone countertops, custom cabinetry, designer lighting, and spacious walk-in closets. Enjoy seamless indoor-outdoor living with a private saltwater pool, screened enclosure, covered entertainment areas, and professionally landscaped grounds. Additional highlights include modern energy-efficient upgrades, smart home features, premium water filtration systems, EV charging capability, and top-rated schools nearby. This truly turnkey property combines luxury, comfort, and functionality, making it a rare opportunity for buyers seeking a move-in-ready home with resort-style living.

The essentials

Built
1996
Price / sqft
$249
On market
80 days
Annual tax
$6,874
Flood zone
X · Low risk
Lot
8,050 sqft
Type
Single Family Residence

Location

3728 Cold Creek Dr
Valrico, FL, 33596·33596 - Valrico
Type
Single Family Residence
Year Built
1996
Lot
8,050 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
80
Thermostat
Sidewalk
Dishwasher
Microwave
Range
Refrigerator

Elementary

Alafia-HB

Middle

Burns-HB

High

Bloomingdale-HB

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$6,874

Parcel #

U-07-30-21-36E-000005-00043.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Bloomingdale Sec P Q

County

Hillsborough

MLS Area

33596 - Valrico

Lot Size

8,050 sqft

Date
Event
Price
8/26/2026
Price change
Source: Stellar MLS #O6419543
$579,000-3.3%
$249/sqft
Price change
Source: Stellar MLS #O6419543
$599,000-4.2%
$258/sqft
6/24/2026
Listed for sale
Source: Stellar MLS #O6419543
$625,000
$269/sqft
Est. monthly payment$3,882/mo
Principal & interest$3,020
Property taxes$573
Insurance$290
Down payment20% · $115,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $579,000
$575,000 – $579,000
99.5% – 100% of listTops out right at the list price
80% of listList price
71 of the last 135 home closings in 33596 landed at this number or higher (53%). The median one sat 29 days before it went under contract, and this one is on day 80 after a $46,000 cut.

Sample: 135 closed home sales in 33596 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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