Single Family Residence in WINDING RIDGE, WESLEY CHAPEL · No CDD on record · Built 2021
WINDING RIDGE · Wesley Chapel, FL 33543 · Pasco County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,591Sq Ft
2021Year Built
$193Per Sq Ft
2-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
25% below
$/sq ft vs community
$193 here vs $257 median sold (12 mo)
Buyer leverage
Buyer advantage
5 days on market
9.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone A
Flood risk
Confirm requirements with FEMA; ~80 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 3073 Mountain Spruce Terrace in Winding Ridge, Wesley Chapel is listed at $499,000 (2,591 sq ft, about $193 per sq ft). That is 20% below Winding Ridge's median closed sale of $625,000 over the last 12 months (1 recorded sales). Per square foot it is below the community's recent $257/sq ft by about 25%. It came to market within the past week. Listing facts: built in 2021, HOA dues of $456/mo. The parcel maps to FEMA flood zone A, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2021 · 5 yrs
2,591 sq ft of living area
2-car garage
Listed at $499,000 — recent neighborhood median sale price ~$625,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $456/mo (per listing)
Listing description
About this home
Virtually Staged. Welcome to the Diana model by GL Homes, offering 4 bedrooms, 3 full baths, 2,591 square feet of living space, and a tranquil pond view in Wesley Chapel's Winding Ridge. Built in 2021, this home centers around an open kitchen and great room, ideal for entertaining.
Stainless appliances, solid countertops, slow-close cabinets, plus built-in ceiling speakers and a Culligan water system. A main-level bedroom and full bath offer flexibility for guests or multigenerational living. Upstairs, a spacious loft suits a media room, playroom, or second lounge.
The primary suite includes dual closets and a large bath with walk-in shower and soaking tub. Step out back to a fully fenced yard and calming water views. Winding Ridge amenities include a resort pool with cabanas, splash pad, fitness center, playgrounds, and sports courts.
Zoned for Double Branch Elementary, Thomas E. Weightman Middle, and Wesley Chapel High. All appliances convey.
Schedule your private showing and experience Winding Ridge living.
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
Listing courtesy of EXP REALTY LLC · Listing agent: Jackie Foster · 888-883-8509Provided 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.
Property facts & sources
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
List price$499,000
Bed / bath4 / 3
Living area2,591 sq ft
Year built2021
Property typeSingle Family Residence
Garage2-car
MLS #TB8548635
Listing statusNew — 5 days on market
Public records & third-party data
FEMA flood zoneZone A
Ground elevation~80 ft
CountyPasco
Area listings9 active · 2 under contract
Estimated first-year tax~$5,240/yr
CDD assessmentNone on record
HOA$456/mo
Calculated estimates
Price per sq ft$193
Estimated monthly payment$3,772
Insurance (illustrative)$1k–$2k/yr
Messtimate range$546,701 – $671,069
Comparable-sales median$625,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,772/mo
Principal & interest $2,731/mo72%
Taxes $437/mo12%
Insurance $148/mo4%
HOA $456/mo12%
$3,772/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,240/yr
Estimate: a typical Pasco effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone A — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$456/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone A
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~80 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · winding rdg ph 4
Pricing & the winding rdg ph 4 market
How this home is priced against recent nearby sales, and where winding rdg ph 4 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.
Property timeline
This home’s history
2021BuiltPer public record
Sep 15, 2026First seen on movewithmomentum.comObserved at $499,000
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.
Transparency
Price & listing history
Listed for $499,000Momentum Realty · on market 5 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in WINDING RIDGE 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.
Sold Jul 2026
$625,000
3254 WOODLAND BROOK WAY, WESLEY CHAPEL
5 / 4 bd/ba · 2,961 sq ft · $211/sq ft
Courtesy of DALTON WADE INC · View details →
Sold Jul 2026
$625,000
3254 WOODLAND BROOK WAY, WESLEY CHAPEL
5 / 4 bd/ba · 2,961 sq ft · $211/sq ft
Courtesy of DALTON WADE INC · View details →
Sold Jul 2026
$560,000
32268 MAHOGANY VALLEY DRIVE, WESLEY CHAPEL
3 / 2.5 bd/ba · 2,166 sq ft · $259/sq ft
Courtesy of COOPER & ASSOCIATES REALTY,INC · View details →
Sold Jul 2026
$560,000
32268 MAHOGANY VALLEY DRIVE, WESLEY CHAPEL
3 / 2.5 bd/ba · 2,166 sq ft · $259/sq ft
Courtesy of COOPER & ASSOCIATES REALTY,INC · View details →
Sold Apr 2026
$840,000
32212 MAHOGANY VALLEY DRIVE, WESLEY CHAPEL
3 / 3 bd/ba · 3,273 sq ft · $257/sq ft
Courtesy of COOPER & ASSOCIATES REALTY,INC · View details →
Sold Apr 2026
$840,000
32212 MAHOGANY VALLEY DRIVE, WESLEY CHAPEL
3 / 3 bd/ba · 3,273 sq ft · $257/sq ft
Courtesy of COOPER & ASSOCIATES REALTY,INC · View details →
Median of these 6 sales: $625,000 ($257/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$546,701the mess$671,069
Stronger local evidence — 6 comparable closed sales in WINDING RIDGE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $499,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 23% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $456/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
7 active listings competing, 2 under contract
≈9.8 months of supply
11 closed here in the last 12 months
For reference, this home is listed at $499,000 ($193/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,591 sq ft × $211–$259/sq ft (interquartile band of 6 comparable closed sales in WINDING RIDGE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
63/100
Strongest on: Price vs area (100), Affordability (84)
0 limited50100 exceptional
63/100 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.
Price vs area100
This home $193/sq ft vs the community 12-month median $257/sq ft.
Affordability84
List price $499,000 vs the community median $625,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone A, ~80 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone A and a 2021 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~9.8 months of supply (12-month record).
Coverage: 5 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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.8 months of supply in the surrounding market and 5 days on market for this home, against a 172-day area median.Days on market:this home 5Area median: 172 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 $193 per square foot, about 25% below the community’s $257 median. winding rdg ph 4’s 12-month median sold price per square foot is $257. Confidence: Low · 1 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.
68% of homes in winding rdg ph 4 are owner-occupied. An estimated 32% are non-owner-occupied, including 6% held in a company or trust and 4% 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), 342 homes matched. Community-level context.
What’s unique here: one of only 9 active listings in winding rdg ph 4, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # TB8548635
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Keep looking
Similar homes for sale near WINDING RIDGE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Pomelo Square mixed-use community advances in Wesley Chapel
Ryan Cos. and PulteGroup are advancing Pomelo Square, a mixed use development at the northeast corner of Old Pasco Road and Overpass Road in Wesley Chapel. Plans call for 415 residential units made up of 325 apartments and 90 townhomes, about 42,000 square feet of retail, and a hotel pad. Completion is targeted for the first quarter of 2028.
Why it matters: Adds a mixed use community of apartments and townhomes with retail space and a hotel pad, expanding housing and commercial supply in a growing Pasco County corridor. The project is about 5 miles northwest of Winding Ridge, elsewhere in Pasco County.
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The project is about 12 miles northwest of Winding Ridge, elsewhere in Pasco County.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The project is about 16 miles northwest of Winding Ridge, elsewhere in Pasco County.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The site is about 4 miles west of Winding Ridge.
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.
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.
GRADEA
Double Branch ElementaryAssigned elementary school · Pasco County School District · Grade A (Florida DOE 2025-26)
GRADEA
Thomas E Weightman Middle-POAssigned middle school · Pasco County School District · Grade A (Florida DOE 2025-26)
GRADEA
Wesley Chapel High-POAssigned high school · Pasco County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3073 Mountain Spruce Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $456/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone A: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 2,591 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 $5,240/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: October 3, 2026)
Comparable sales
Stellar MLS closed sales in WINDING RIDGE, last 18 months, as of September 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone A shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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.
Answered before you ask
Frequently asked questions
How big is 3073 Mountain Spruce Terrace and when was it built?
Per the listing record, 3073 Mountain Spruce Terrace was built in 2021 and has 2,591 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3073 Mountain Spruce Terrace in?
3073 Mountain Spruce Terrace is in Winding Ridge in Wesley Chapel, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3073 Mountain Spruce Terrace have an HOA, and how much are the dues?
The listing reports HOA dues of $456 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 3073 Mountain Spruce Terrace differ from the current owner's?
The estimate on this page (about $5,240 per year) assumes reassessment at the list price less the homestead exemption. 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 3073 Mountain Spruce Terrace in a flood zone?
The FEMA flood map places this parcel in Zone A, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
Ready when you are
See 3073 MOUNTAIN SPRUCE TERRACE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
