31210 PENNY SURF LOOP, WESLEY CHAPEL, FL, 33545
Active38 days on marketListed Jun 16, 2026MLS #TB8519808
About this home
31210 PENNY SURF LOOP
PRICE REDUCED!!! Freshly painted! Located in the spectacular Epperson Lagoon community, this home offers the perfect combination of lifestyle, comfort, and value. Featuring a spacious living and dining areas filled with abundant natural light, creating an inviting atmosphere for both everyday living and entertaining. The kitchen flows seamlessly into the main living spaces, making it the perfect gathering place for family and friends. The designed floor plan offers comfortable bedrooms with privacy and flexibility, while maximizing both space and functionality throughout the home and a privacy fence to create your own private oasis. Living in Epperson means enjoying exclusive access to the world-famous MetroLagoon, a stunning crystal-clear lagoon featuring sandy beaches, swimming, kayaking, paddleboarding, cabanas, and year-round events. This resort-style amenity offers a vacation-inspired lifestyle right in your own neighborhood. Conveniently located near Interstate 75, residents enjoy easy access to premier shopping, dining, and entertainment destinations including The Shops at Wiregrass, Tampa Premium Outlets, The Grove at Wesley Chapel, and countless restaurants and everyday conveniences. The home's prime location also provides quick access to downtown Tampa, Tampa International Airport, hospitals, and major employment centers. With a motivated seller and exceptional value, this home stands out as one of the best opportunities currently available in Epperson for buyers seeking a vibrant community, outstanding amenities, and an exceptional place to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,516
Sqft
0.12 ac
Lot size
2
Garage
2022
Year built
One
Levels
$214
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,912 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,912/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.3%
$/sqft vs EPPERSON RANCH NORTH POD F PH
$214 vs $192
Days on market
38 vs 32 typical
Where $214/sqft sits among the 6 homes for sale in EPPERSON RANCH NORTH POD F PH
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Epperson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
Epperson — neighborhood snapshot
Population
3,917
Median age
31
Median income
$131,369
Median home value
$397,700
Avg household
4
Households w/ children
454
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wesley Chapel market
$440K → $435K
Wesley Chapel median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
4 of 6
EPPERSON RANCH NORTH POD F PH have cut their price
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the WESLEY CHAPEL 33545 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
Reality check
What actually sold near 31210 PENNY SURF LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$350,000
30839 PENNY SURF LOOP · same community
3 bd · 2 ba · 1,516 sqft · $231/sqft · 77 DOM
Sold · Jul ’25$375,000
8310 HARDY BAY LOOP · same community
3 bd · 2 ba · 1,510 sqft · $248/sqft · 19 DOM
Sold · Aug ’25$485,000
9028 FORGE BREEZE LOOP · same community
3 bd · 2 ba · 1,690 sqft · $287/sqft · 17 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 31210 PENNY SURF LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31210 PENNY SURF LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
31210 PENNY SURF LOOP FAQs
What would the monthly payment be for 31210 PENNY SURF LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,912/mo — principal and interest, the actual property-tax bill, the $88/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 31210 PENNY SURF LOOP?+
The association fee works out to $88 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 31210 PENNY SURF LOOP?+
The most recent tax bill on record (2025) was $7,285. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 31210 PENNY SURF LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Wesley Chapel?+
At $325,000, this home is listed about 25% below the Wesley Chapel median of $434,500. The market section on this page shows how the area is trending.
Which schools are assigned to 31210 PENNY SURF LOOP?+
Wesley Chapel High School (high), Thomas E. Weightman Middle School (middle), Watergrass Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LEE REALTY GROUP · Lisa Caccese. MLS #TB8519808.
IDX 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 accurate by Stellar MLS.
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