24 days on marketSingle Family Residence▼ Price cut: $10,100 (8/4)
$339,900
3-Bedroom Home in PEBBLE CREEK VILLAGE UNIT 7
9765 FOX CHAPEL ROAD, TAMPA, FL 33647
Single Family Residence in PEBBLE CREEK VILLAGE UNIT 7, TAMPA · No CDD
PEBBLE CREEK VILLAGE UNIT 7 · TAMPA, FL 33647 · Hillsborough
Listing data updated August 14, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,595Sq Ft
1990Year Built
$213Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
3% below
$/sq ft vs community
$213 here vs $219 median sold (12 mo)
Buyer leverage
Strong seller market
24 days on market
2.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~57 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $339,900 — recent neighborhood median sale price ~$415,000 (nearby sales; deemed reliable, not an appraisal)
24 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · PEBBLE CREEK VILLAGE UNIT 05
Pricing & the PEBBLE CREEK VILLAGE UNIT 05 market
How this home is priced against recent nearby sales, and where PEBBLE CREEK VILLAGE UNIT 05 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 PEBBLE CREEK VILLAGE UNIT 05
Each dot is a closed sale since 2004 (379 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, 2013–2026. This home lists at $213/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 49 (normal).
Property timeline
This home’s history
1990BuiltPer public record
Jul 10, 2026First trackedObserved at $350,000
Aug 4, 2026Price cut$339,900
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.
Financing
Estimated monthly payment
$2,245/mo
Principal & interest $1,722/mo77%
Taxes $297/mo13%
Insurance $175/mo8%
HOA $50/mo2%
$2,245/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Buyer competition (90)
0 limited50100 exceptional
69/100 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 area57
This home $213/sq ft vs the community 12-month median $219/sq ft.
Affordability80
List price $339,900 vs the community median $415,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~57 ft elevation. Verify the parcel with FEMA.
Insurance cost62
From FEMA Zone X and a 1990 build. Obtain a property-specific quote.
Market liquidity68
Community median 48 days on market, ~2.1 months of supply (12-month record).
Renovation upside61
From a 1990 build and $213/sq ft vs the community median $219/sq ft. Not a condition assessment.
Buyer competition90
10% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power57
Recent sales closed at about 96.6% of original asking (~3.4% below). More room below asking generally favors buyers.
Market timing51
Momentum Market Heat is 49/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.1 months of supply in the surrounding market and 24 days on market for this home, against a 48-day area median.Days on market:this home 24Area median: 48 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 2004 through 2026. As of August 2, 2026.
🟡 Asking $213 per square foot, about 3% below the community’s $219 median. PEBBLE CREEK VILLAGE UNIT 05’s 12-month median sold price per square foot is $219. Median sold price per square foot is up 9.2% year over year. Confidence: Very High · 31 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.
70% of homes in PEBBLE CREEK VILLAGE UNIT 05 are owner-occupied. An estimated 30% are non-owner-occupied, including 7% held in a company or trust and 8% 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), 218 homes matched. Community-level context.
Recent PEBBLE CREEK VILLAGE UNIT 05 sales closed near 96.6% of original asking. Cash paid for about 10% of recent closings here.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 August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 6 active listings in PEBBLE CREEK VILLAGE UNIT 05, no CDD assessment.
Updated August 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Desirable Pebble Creek community of New Tampa! This charming 3-bedroom, 2-bath home features flex room, perfect for an office, eat in kitchen, high ceilings, laundry closet inside the home, newer luxury vinyl flooring, beautifully updated bathrooms, and a bright, open layout designed for comfortable everyday living.. Enjoy friends and family gatherings in the large lanai and back yard.
Conveniently located near shopping, restaurants, parks, top-rated schools, and major highways, this home offers the perfect combination of style, comfort, and convenience. Don't miss this wonderful opportunity to make it yours!
Description provided by PEOPLE'S CHOICE REALTY SVC LLC and reproduced from the MLS; not independently verified.
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$339,900
Bed / bath3 / 2
Living area1,595 sq ft
Year built1990
Property typeSingle Family Residence
Garage2-car
MLS #TB8526049
Listing status24 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~57 ft
Windstorm exposureLow
CountyHillsborough
Area listings6 active · 4 under contract
Estimated first-year tax~$3,569/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$213
Estimated monthly payment$2,245
Insurance (illustrative)$2k–$3k/yr
Messtimate range$371,635 – $406,725
Comparable-sales median$415,000
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
Listing courtesy of PEOPLE'S CHOICE REALTY SVC LLC · Listing agent: Laura Sanchez, PA · 813-933-0677Provided 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™
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.
$371,635the mess$406,725
Actual list price: $339,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 9% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 24 days on market vs. a 48-day community median
7 active listings competing, 3 under contract
≈2.1 months of supply
34 closed here in the last 12 months
For reference, this home is listed at $339,900 ($213/sq ft) — a number set with analysis a Messtimate can't do.
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: 1,595 sq ft × $233–$255/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 14, 2026.
Keep looking
Similar homes for sale near PEBBLE CREEK VILLAGE UNIT 7
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.
Listed for $339,900Momentum Realty · on market 24 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
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.)
~$3,569/yr
A rough first-year estimate only, applying a typical Hillsborough rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~57 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in PEBBLE CREEK VILLAGE UNIT 7
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 PEBBLE CREEK VILLAGE UNIT 7 neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$415,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$219
Canonical 12-month median $/sq ft. Reference only.
Go deeper on PEBBLE CREEK VILLAGE UNIT 7
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.
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
33-story tower planned for Water Street Tampa expansion
Strategic Property Partners plans a 33-story mixed use tower at Water Street and Cumberland Avenue in downtown Tampa on a 1.9-acre site. The building would hold 452 residential units ranging from studios to three bedrooms plus about 37,000 square feet of retail and 645 parking spaces. Construction is scheduled to begin in spring 2027 with completion targeted for 2029.
Why it matters: Adds a 33 story tower with 452 residential units and ground floor retail to the downtown Tampa market, continuing the buildout of the Water Street district and expanding high rise housing supply. The project is about 16 miles southwest of Pebble Creek Village, elsewhere in Hillsborough County.
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
Why it matters: Adds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The project is about 11 miles southwest of Pebble Creek Village, elsewhere in Hillsborough County.
First 3D-printed affordable home nears completion in East Tampa
The nonprofit Corporation to Develop Communities of Tampa is completing Tampa's first 3D-printed affordable home on Lurline Circle in East Tampa, using a gantry-style printer that layers concrete for the walls. The house is expected to be finished within weeks and listed for sale in about two months, with down payment assistance and first time homebuyer programs available. The effort is part of a broader CDC initiative that includes more than 90 multifamily units in East Tampa.
Why it matters: Introduces 3D concrete printing construction to the local for sale housing market, with a new single family home and additional multifamily units planned. The method signals a new building technique entering the area home supply. The project is about 12 miles south of Pebble Creek Village, elsewhere in Hillsborough 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 north of Pebble Creek Village.
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.
School zoningThis address is in the Hillsborough County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Courtesy of FUTURE HOME REALTY INC · View details →
Sold May 2026
$322,000
9780 FOX CHAPEL ROAD, TAMPA
3 / 2 bd/ba · 1,373 sq ft · $235/sq ft
Courtesy of 27NORTH REALTY · View details →
Sold Jul 2026
$410,000
9718 FOX HOLLOW ROAD, TAMPA
3 / 2.5 bd/ba · 1,904 sq ft · $215/sq ft
Courtesy of IMPACT REALTY TAMPA BAY · View details →
Sold Jul 2026
$318,000
9702 LITTLE POND WAY, TAMPA
2 / 2 bd/ba · 1,246 sq ft · $255/sq ft
Courtesy of PINEYWOODS REALTY LLC · View details →
Sold Jun 2026
$290,000
9761 FOX CHAPEL ROAD, TAMPA
3 / 2 bd/ba · 1,244 sq ft · $233/sq ft
Courtesy of DALTON WADE INC · View details →
Community 12-month median: $219/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.
If you rent it out
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.
Estimated rent$1,558 – $2,266/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$735 – −$98At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
TAMPA
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: August 14, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.
Ready when you are
See 9765 FOX CHAPEL ROAD 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 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.
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.
