Front elevation3829 Cold Creek Drive, Valrico, FL 33596
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 3829 Cold Creek Drive in Bloomingdale Sec P Q, Valrico is listed at $629,900 (2,467 sq ft, about $255 per sq ft). That is 46% above Bloomingdale Sec P Q's median closed sale of $430,000 over the last 12 months (12 recorded sales). Per square foot it is above the community's recent $193/sq ft by about 32%. It came to market within the past week. Listing facts: built in 1994, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1994 · 32 yrs
- 2,467 sq ft of living area
- 2-car garage
- Listed at $629,900 — recent neighborhood median sale price ~$430,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA ~$50/mo (estimate; confirm)
Pricing & the Bloomingdale Sec P Q market
How this home is priced against recent nearby sales, and where Bloomingdale Sec P Q 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 Bloomingdale Sec P Q
Each dot is a closed sale since 2014 (67 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, 2015–2026. This home lists at $255/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
This home’s history
- 1994BuiltPer public record
- Sep 30, 2026First trackedObserved at $629,900
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $3,363/mo 79%
- Taxes $551/mo 13%
- Insurance $306/mo 7%
- HOA $50/mo 1%
$4,270/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Natural hazard risk
FEMA National Risk Index for Hillsborough 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.
Momentum Property Score
34/100 is limited 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $255 per square foot, about 32% above the community’s $193 median. Bloomingdale Sec P Q’s 12-month median sold price per square foot is $193. Confidence: Medium · 12 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.
71% of homes in Bloomingdale Sec P Q are owner-occupied. An estimated 29% are non-owner-occupied, including 13% held in a company or trust and 13% 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), 205 homes matched. Community-level context.
Recent Bloomingdale Sec P Q sales closed near 97.5% 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 2 active listings in Bloomingdale Sec P Q, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Virtually Staged. Completely renovated, modern, and move-in ready! Welcome to this stunning 4-bedroom, 3-bath pool home in highly sought-after Windsor Woods of Bloomingdale, in Valrico Florida!
Renovated from top to bottom, this home combines sophisticated finishes with comfortable everyday living, featuring a brand-new roof, HVAC, kitchen, bathrooms, flooring, paint, and more. Step through the double front doors into an impressive two-story entry with soaring ceilings and an open staircase. The formal living and dining spaces lead into the heart of the home — a beautifully redesigned chef’s kitchen featuring solid-wood cabinetry with soft-close drawers, quartz countertops, and commercial-grade Forno stainless steel appliances.
The adjoining eating nook opens to the spacious great room, creating an ideal flow for cooking, dining, and entertaining in this tri-level home. The great room features a custom-built wine and beverage bar, perfect for morning coffee or entertaining while enjoying the pool. The renovated downstairs full bathroom offers convenient pool access and features modern tile, a glass-enclosed shower, solid-wood cabinetry, quartz countertops, and a lighted anti-fog LED mirror.
Upstairs, you’ll find four spacious bedrooms plus a versatile loft area ideal for a reading nook, home office, or homework area. The primary suite features vaulted ceilings and an oversized walk-in closet with ample storage. The primary bathroom is a true standout, featuring new 24" x 48" Italian porcelain tile, custom walk-in glass shower, rainfall showerhead, freestanding soaking tub, dual vanities, built-in LED niches, and upgraded lighting for a clean, elegant finish.
The additional bedrooms feature brand-new high-grade carpet, waterproof padding, and generous closet space. The third bathroom has also been renovated with upgraded tile, a glass-enclosed shower/tub combo, rainfall showerhead, solid-wood cabinetry, quartz countertops, and a modern LED mirror. Outside, enjoy a private oasis with a pool and spa, covered lanai, and fully fenced yard — a great space for relaxing and entertaining.
The extensive improvements include a Brand-New 30-year architectural shingle roof, Brand-New HVAC with heat pump, fresh interior and exterior paint, High End waterproof LVP flooring, new 24" x 48" Italian porcelain tile, high-grade carpet with waterproof padding, new 5¼-inch baseboards, solid-wood cabinetry, Forno stainless steel appliances, quartz countertops, new designer lighting fixtures, new blinds, and more. Located within Bloomigdales A-rated school district, shopping, dining, and everyday conveniences are just minutes away. You’ll enjoy easy access to Whole Foods, Publix, Sprouts Farmers Market, Starbucks, and Chik-fil-A to name a few.
The area is also known for its numerous golf courses, recreational parks, trails, and more. Downtown Tampa is also less than 30 minutes away, with easy access to dining, shopping, and entertainment. With no HOA and a highly sought-after location, this Bloomingdale home is a must-see.
Beautifully renovated and truly turnkey, this exceptional Valrico pool home offers modern finishes, a spacious layout, and an unbeatable location. Come see it for yourself!
Description provided by SIGNATURE REALTY ASSOCIATES and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $629,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 49% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1994 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 3 active listings competing
- ≈2.0 months of supply
- 12 closed here in the last 12 months
For reference, this home is listed at $629,900 ($255/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,467 sq ft × $143–$213/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 30, 2026.
Similar homes for sale near BLOOMINGDALE SEC P Q
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.
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Recently off market in BLOOMINGDALE SEC P Q
- 3614 Cold Creek Drive · last listed $494,000 · 2026-09-20
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by SIGNATURE REALTY ASSOCIATES · MLS # TB8552405
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Recent sales activity in BLOOMINGDALE SEC P Q
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the BLOOMINGDALE SEC P Q neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on BLOOMINGDALE SEC P Q
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 Hillsborough 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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $193/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 3829 Cold Creek Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1994 (32 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 2,467 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 $6,614/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: September 30, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 3829 Cold Creek Drive and when was it built?
Per the listing record, 3829 Cold Creek Drive was built in 1994 and has 2,467 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 3829 Cold Creek Drive in?
3829 Cold Creek Drive is in Bloomingdale Sec P Q in Valrico, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Bloomingdale Sec P Q from the same MLS data.
Does 3829 Cold Creek Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3829 Cold Creek Drive differ from the current owner's?
The estimate on this page (about $6,614 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3829 Cold Creek Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 a typical county millage rate to the list price 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.
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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.