3428 Chapel Creek Circle, Wesley Chapel, FL 33544
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
3428 Chapel Creek Circle in Seven Oaks Prcl S-8A, Wesley Chapel is listed at $345,000 (1,760 sq ft, about $196 per sq ft). It came to market within the past week. Listing facts: built in 2005, HOA dues of $270/mo, a CDD assessment of about $1,305/yr. 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.
- CDD assessment ~$1,305/yr
- Built 2005 · 21 yrs
- 1,760 sq ft of living area
- 2-car garage
- Listed at $345,000 — recent neighborhood median sale price ~$350,000 (nearby sales; deemed reliable, not an appraisal)
- listed Oct 21, 2026
- HOA $270/mo (per listing)
About this home
Under contract-accepting backup offers. MAINTENANCE-FREE LIVING IN THE HEART OF SEVEN OAKS! Welcome to this beautifully maintained ONE-OWNER VILLA located in the exclusive GATED enclave of WILLOW CREEK, one of the most desirable neighborhoods within Seven Oaks.
Enjoy a carefree lifestyle with an HOA that includes ROOF REPLACEMENT, EXTERIOR PAINTING, and LAWN MAINTENANCE, freeing you from costly exterior upkeep and giving you more time to enjoy the exceptional amenities and convenient location that make this community so sought after. This lovingly maintained 3-BEDROOM, 2-BATHROOM villa with a 2-CAR GARAGE features a highly desirable great room floor plan designed for comfortable everyday living and effortless entertaining. Elegant CROWN MOLDING enhances the great room, dining room, dinette, and kitchen, while rich real WOOD FLOORING adds warmth and character to the great room and dining room.
The open layout creates an inviting atmosphere filled with natural light and provides the perfect setting for gathering with family and friends. One of the home's most appealing features is its PEACEFUL CONSERVATION SETTING. The oversized EXTENDED LANAI offers a private outdoor retreat where you can relax, entertain, or simply enjoy Florida's beautiful weather.
Backing to CONSERVATION, the property enjoys enhanced privacy and a tranquil natural backdrop with no direct rear neighbors. From the CORNER OF LANAI, you'll also enjoy a picturesque POND VIEW, adding another touch of serenity to this already peaceful setting. The combination of conservation and water views creates a calming environment where you can unwind while enjoying the sights and sounds of nature.
The impressive 12' x 24' PRIMARY SUITE provides exceptional flexibility, offering plenty of room for a sitting area, home office, reading nook, exercise space, or whatever best suits your lifestyle. The ENSUITE BATH bath features a relaxing garden tub, separate shower, dual-sink vanity, and ample space for daily convenience and comfort. The additional bedrooms are comfortably sized and ideal for family, guests, or hobbies.
The home has been thoughtfully equipped with CEILING FANS IN ALL BEDROOMS, the KITCHEN, and the LANAI, and all kitchen appliances, along with the washer and dryer, are included, making this home truly move-in ready. The location simply cannot be beat. Residents enjoy quick access to major roadways, making COMMUTING EASY while placing SHOPPING, DINING, ENTERTAINMENT, and everyday conveniences just minutes away.
The Shops at Wiregrass, Tampa Premium Outlets, and an ABUNDANCE of popular RESTAURANTS are all nearby. Willow Creek residents enjoy their OWN PRIVATE COMMUNITY POOL while also having access to the outstanding RESORT-STYLE amenities that have made Seven Oaks one of Wesley Chapel's premier communities. These amenities include MULTIPLE POOLS with a Waterslide, Swim LANES, Splash Centers, Tennis Courts, Pickleball Courts, Basketball Courts, a state-of-the-art Fitness Center, Clubhouse, Playgrounds, and more.
This exceptional VILLA offers the perfect combination of MAINTENANCE FREE LIVING, privacy, BEAUTIFUL NATURAL SURROUNDINGS, spacious living areas, and WORLD-CLASS AMENITIES in one of Wesley Chapel's most sought-after communities. Don't miss this opportunity to enjoy the Florida lifestyle you've been dreaming of in the heart of Seven Oaks.
All 6 photos
Description provided by BHHS FLORIDA PROPERTIES GROUP 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 $1,896/mo 67%
- Taxes $398/mo 14%
- Insurance $141/mo 5%
- HOA $270/mo 10%
- CDD $109/mo 4%
$2,814/mo at 20% down, 30-yr @ 7.32% · 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 3428 Chapel Creek Circle
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 $2,325/yr (certified county roll, taxable value × millage). Buy at the asking price of $345,000 and the first-year bill resets to about $4,775/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 | About $1,305/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $270/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 $1,000–$2,500/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 2005. An original roof would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $915/month (tax $398, CDD $109, HOA $270, 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 SEVEN OAKS PRCL S-8A market
How this home is priced against recent nearby sales, and where SEVEN OAKS PRCL S-8A 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.
This home’s history
- 2005BuiltPer public record
- Oct 8, 2026First seen on movewithmomentum.comObserved at $345,000
- NowUnder contractActive under contract
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
3 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 3 sales: $350,000 ($209/sq ft). Directional only — a small or wide-radius sample. 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 3 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 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $345,000 ($196/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 11% 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 $270/mo and a CDD assessment of about $1,305/yr; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 1479 active listings competing, 396 under contract
- 7 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 (3); 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 27, 2026.
Momentum Property Score
71/100 is strong 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: 4 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. 2535.4 months of supply in the surrounding market and 6 days on market for this home, against a 74-day area median.Days on market:this home 6Area median: 74 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. Source: Data provided by Stellar MLS. As of October 27, 2026.
🟡 Asking $196 per square foot, about 6% below the community’s $209 median. SEVEN OAKS PRCL S-8A’s 12-month median sold price per square foot is $209. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BHHS FLORIDA PROPERTIES GROUP · MLS # TB8553793
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More on SEVEN OAKS PRCL S-8A
Go deeper on SEVEN OAKS PRCL S-8A
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.
See schools in the SEVEN OAKS PRCL S-8A guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 3428 Chapel Creek Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $270/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $1,305/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- 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 1,760 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 $4,775/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,450 more per year than the current owner’s estimated bill (+105%). 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 28, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of October 27, 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 3428 Chapel Creek Circle and when was it built?
Per the listing record, 3428 Chapel Creek Circle was built in 2005 and has 1,760 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3428 Chapel Creek Circle in?
3428 Chapel Creek Circle is in Seven Oaks Prcl S-8A in Wesley Chapel, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3428 Chapel Creek Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $270 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $1,305 per year; confirm the exact figure with the county.
Why might property taxes on 3428 Chapel Creek Circle differ from the current owner's?
The estimate on this page (about $4,775 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,450 more per year than the current owner’s estimated bill (+105%). 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.
Are short-term rentals allowed at 3428 Chapel Creek Circle?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 3428 Chapel Creek Circle 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.
See 3428 CHAPEL CREEK CIRCLE in person
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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 jon@movewithmomentum.com 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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.