3869 Cabernet Terrace, Wesley Chapel, FL 33543
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 4, 2026, 3869 Cabernet Terrace in Valencia Ridge, Wesley Chapel is listed at $802,900 (2,720 sq ft, about $295 per sq ft). That is 39% above Valencia Ridge's median closed sale of $578,900 over the last 12 months (31 recorded sales). It came to market within the past week. Listing facts: new construction, HOA dues of $349/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- New construction — built 2026
- 2,720 sq ft of living area
- 2-car garage
- Listed at $802,900 — recent neighborhood median sale price ~$578,900 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $349/mo (per listing)
About this home
Virtually Staged. Located in Valencia Ridge, one of the most exciting new 55+ resort-style communities serving the Tampa area, this exceptional Sapphire model by GL Homes offers an incredible combination of luxury, lifestyle, and value. Designed for carefree 55+ living on Florida’s Gulf Coast, Valencia Ridge features endless entertainment, resort-style relaxation, action-packed activities, and beautifully appointed new homes with luxury included as standard.
The Sapphire floor plan features 3 bedrooms, a dedicated home office, 3 full baths, a powder room, and an oversized 2.5-car garage with room for a golf cart or additional storage. Exceptional curb appeal begins with an upgraded brick paver driveway, tile roof, and designer coach lights. Enter through impressive double 8-foot glass entry doors and discover a beautifully designed open-concept layout where the great room, kitchen, and dining areas flow seamlessly together.
Great room sliders open directly to the spacious extended covered lanai and private backyard surrounded by lush landscaping, creating an ideal setting for relaxing or entertaining. Inside, the home showcases large 24x24 rectified tile flooring throughout the main living areas, wet areas, and home office. The luxurious gourmet kitchen is beautifully appointed with highly upgraded 42-inch shaker-style Castle Brown cabinetry, cabinet lighting with crown molding and valance, soft-close drawers, Silestone Calacatta Premata countertops, a large center island with extended counter-height bar, undermount stainless-steel sink, full quartz backsplash, and upgraded stainless-steel appliances.
The appliance package includes a GE Profile freestanding gas range, built-in oven and microwave/oven combination, chimney hood, and French-door refrigerator. Pot-and-pan drawers and a large pantry provide exceptional storage. The spacious primary suite features a coffered ceiling, ceiling fan, and two walk-in closets.
The luxurious primary bath retreat offers dual vanities with shaker-style Castle Brown cabinetry, quartz countertops, a walk-in shower, and linen closet. The home office features matching tile flooring, while both secondary bedrooms are located down a private hallway and each includes its own en-suite full bath. The laundry room includes a pre-plumb for a future sink and an upgraded GE front-load washer and dryer.
Additional upgrades include a variable-speed air handler, recessed lighting, designer lighting and ceiling fan package, pre-plumbing for a water softener system, 2-inch faux-wood window blinds, and more. Valencia Ridge is a premier active-adult community offering natural gas service and an impressive array of amenities, including a spectacular clubhouse, fitness center, yoga studio, sports lounge, resort-style pool, lap pool, pickleball and tennis courts, bocce courts, dog park, on-site restaurant, and a vibrant social calendar filled with clubs, events, and activities. Conveniently located in the Wiregrass area of Wesley Chapel near shopping, dining, medical facilities, major highways, and Tampa-area airports, this exceptional home delivers the perfect blend of luxury, convenience, and active Florida living.
A recent builder incentive of $43,005 has already been applied to the list price. Originally priced at $845,905, this home is now offered at $802,900 when financing through GL Financial and closing with Nova Title, or when purchasing with cash and using Nova Title. Start living the dream today!
All 6 photos
Description provided by SALTZBERG & ASSOCIATES REAL ESTATE 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 $4,395/mo 78%
- Taxes $702/mo 12%
- Insurance $211/mo 4%
- HOA $349/mo 6%
$5,657/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
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 VALENCIA RIDGE market
How this home is priced against recent nearby sales, and where VALENCIA RIDGE 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
- 2026BuiltPer public record
- Oct 4, 2026First seen on movewithmomentum.comObserved at $802,900
- 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: $578,900 ($296/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $802,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 18% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
- 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 $349/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:
- 1081 active listings competing, 265 under contract
- 1 closed here in the last 12 months
For reference, this home is listed at $802,900 ($295/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,720 sq ft × $220–$259/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 4, 2026.
Momentum Property Score
38/100 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.
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
🟡 Asking $295 per square foot, about in line with the community’s $296 median. VALENCIA RIDGE’s 12-month median sold price per square foot is $296. 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.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3869 CABERNET TERRACE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by SALTZBERG & ASSOCIATES REAL ESTATE · MLS # TB8553726
Request a showing
Similar homes for sale near VALENCIA 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.
Newest listings in VALENCIA RIDGE
- 12627 Beagle Road · $350,000 · 3 bd / 2.0 ba · listed October 4, 2026 (courtesy of FUTURE HOME REALTY)
- 3431 Van Nuys Loop · $259,000 · 3 bd / 2.0 ba · listed October 4, 2026 (courtesy of RE/MAX REALTEC GROUP INC)
- 17546 Valleywood Parkway · $631,990 · 4 bd / 4.0 ba · listed October 4, 2026 (courtesy of OLYMPUS EXECUTIVE REALTY INC)
- 11031 Hassle Avenue · $219,900 · 3 bd / 1.0 ba · listed October 4, 2026 (courtesy of DALTON WADE INC)
- 16450 Spring Valley Road · $759,000 · 3 bd / 2.0 ba · listed October 4, 2026 (courtesy of SUNSHINE REALTY COMPANY LLC)
- 36801 Yesler Drive · $440,000 · 5 bd / 3.0 ba · listed October 4, 2026 (courtesy of MY REALTY GROUP, LLC.)
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
More on VALENCIA RIDGE
Go deeper on VALENCIA 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.
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 VALENCIA RIDGE 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 3869 Cabernet Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- HOA dues are listed at $349/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,720 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 $8,430/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.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 4, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of October 4, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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.
Frequently asked questions
How big is 3869 Cabernet Terrace and when was it built?
Per the listing record, 3869 Cabernet Terrace was built in 2026 and has 2,720 sq ft of living area, 3 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3869 Cabernet Terrace in?
3869 Cabernet Terrace is in Valencia Ridge in Wesley Chapel, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3869 Cabernet Terrace have an HOA, and how much are the dues?
The listing reports HOA dues of $349 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 3869 Cabernet Terrace differ from the current owner's?
The estimate on this page (about $8,430 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 3869 Cabernet Terrace 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.
See 3869 CABERNET 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.
Momentum Realty · licensed in FL & GA
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.