11287 Cay Spruce Way, San Antonio, FL 33576
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 11287 Cay Spruce Way in Mirada Prcl 21-1, San Antonio is listed at $279,999 (1,856 sq ft, about $151 per sq ft). That sits within a few percent of Mirada Prcl 21-1's median closed sale of $264,425 over the last 12 months (16 recorded sales). It has been 22 days on market. Listing facts: built in 2020, HOA dues of $332/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2020 · 6 yrs
- 1,856 sq ft of living area
- 1-car garage
- Listed at $279,999 — recent neighborhood median sale price ~$264,425 (nearby sales; deemed reliable, not an appraisal)
- 22 days on market
- HOA $332/mo (per listing)
About this home
Short Sale. Welcome to your slice of paradise in the sought after Mirada community, where resort style living isn't a getaway, it's your everyday reality. This stunning 3 bedroom, 2.5 bath townhome sits in a quiet, well established neighborhood framed by lush, mature landscaping, sidewalk lined streets, and elegant fountain features that greet you at the entrance and set the tone the moment you arrive.
With a tranquil water view of the pond out back, ample guest parking beyond the garage, and one of the largest man made lagoons just steps away, this home truly delivers a lifestyle most people only dream about. Step inside through a charming covered entry and immediately feel the openness of the bright, airy first floor. Tile flooring flows seamlessly through the living, dining, and kitchen areas, accented by upgraded lighting and a thoughtfully designed layout that makes entertaining feel completely effortless.
Natural light pours into every corner, and the transition between spaces is smooth and inviting. The kitchen is the heart of the home and it shows, featuring quartz countertops, stainless steel appliances, a striking tile backsplash, a walk in pantry, and a center island with a breakfast bar that's perfect for casual mornings or hosting friends. A guest half bath on the main level adds everyday convenience.
Head upstairs to find plush carpeted bedrooms, a second floor laundry closet that keeps chores out of sight, and a versatile office nook ideal for working from home or creative pursuits. The generous primary suite is your personal retreat, complete with a large walk in closet and a spa inspired en suite bath featuring dual vanity sinks, a glass enclosed walk in shower, etc. The second bedroom also includes a walk in closet and sits conveniently across from the full guest bath, while the third bedroom adapts beautifully to whatever your lifestyle calls for; guest room, hobby space, or home gym.
Out back, your screened porch frames peaceful pond views that make unwinding at the end of the day feel like a luxury. And when you're ready for more adventure, the lagoon is right around the corner — offering kayaking, paddle boarding, beachside lounging, and a full calendar of community events that keep the energy alive year round. The HOA takes care of the details so you don't have to — covering ultra fast WiFi, cable, lagoon access, lawn maintenance, and roof reserves, delivering a truly low maintenance lifestyle packed with perks.
Opportunities like this don't last long in a community this vibrant. Schedule your private showing today and come see why people who visit Mirada end up calling it home. Sold as-is, buyer or buyer agent to verify any and all information, rules, restrictions, etc.
Description provided by GREAT WESTERN REALTY and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,551/mo 68%
- Taxes $310/mo 14%
- Insurance $85/mo 4%
- HOA $332/mo 15%
$2,279/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pasco County Schools 2025-26 tentative budget; Pasco County Property Appraiser. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 11287 Cay Spruce Way
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $2,900/yr (certified county roll, taxable value × millage). Buy at the asking price of $279,999 and the first-year bill resets to about $3,725/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.15 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | This listing reports $1,313/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
| HOA dues | $332/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2020. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $890/month (tax $310, CDD $109, HOA $332, insurance $138). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Pasco County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pasco County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Mirada Townhomes market
How this home is priced against recent nearby sales, and where Mirada Townhomes has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Mirada Townhomes
Each dot is a closed sale since 2022 (493 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2023–2026. This home lists at $151/sq ft.
Median sale price by year
12-month median closed price, 2023–2026.
This home’s history
- 2020BuiltPer public record
- Aug 20, 2026First seen on movewithmomentum.comObserved at $325,000
- Sep 11, 2026Price cut$279,999 (-$45,001, -13.8%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $264,425 ($156/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $279,999 ($151/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 15% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $332/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 22 days on market vs. a 39-day community median
- 9 active listings competing, 14 under contract
- ≈8.3 months of supply
- 13 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
Momentum Property Score
66/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.3 months of supply in the surrounding market and 22 days on market for this home, against a 39-day area median.Days on market:this home 22Area median: 39 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026. As of September 20, 2026.
🟡 Asking $151 per square foot, about 3% below the community’s $156 median. Mirada Townhomes’s 12-month median sold price per square foot is $156. Median sold price per square foot is down 0.2% year over year. Confidence: Medium · 16 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
28% of homes in Mirada Townhomes are owner-occupied. An estimated 72% are non-owner-occupied, including 33% held in a company or trust and 20% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 385 homes matched. Community-level context.
Recent Mirada Townhomes sales closed near 91.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in Mirada Townhomes, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by GREAT WESTERN REALTY · MLS # TB8540643
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Every home on Cay Spruce Way: what is for sale, what sold and when, the homes and the communities along it.
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More on MIRADA PRCL 21-1
Go deeper on MIRADA PRCL 21-1
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pasco County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 11287 Cay Spruce Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $332/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,856 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,725/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+28%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 11287 Cay Spruce Way and when was it built?
Per the listing record, 11287 Cay Spruce Way was built in 2020 and has 1,856 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 11287 Cay Spruce Way in?
11287 Cay Spruce Way is in Mirada Prcl 21-1 in San Antonio, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11287 Cay Spruce Way have an HOA, and how much are the dues?
The listing reports HOA dues of $332 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 11287 Cay Spruce Way differ from the current owner's?
The estimate on this page (about $3,725 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+28%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 11287 Cay Spruce Way in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.