2907 BEAR OAK DRIVE, VALRICO, FL, 33594
Active0 days on marketListed Aug 7, 2026MLS #A4702043
About this home
2907 BEAR OAK DRIVE
Virtually Staged. Welcome to this beautifully maintained three-bedroom, two-and-a-half-bath townhome, proudly offered by its original owner and nestled within the desirable Oakwood Terrace community of Valrico. Thoughtfully cared for since day one, this residence showcases quality finishes, functional design and a low-maintenance lifestyle. A charming exterior and inviting front porch create a warm first impression, offering the perfect place to relax and enjoy the peaceful surroundings. Inside, the open-concept layout is bright and inviting with an effortless flow between the living, dining and kitchen spaces that is ideal for both everyday living and entertaining. The kitchen is designed with both style and functionality in mind, featuring rich maple cabinetry with crown molding, Corian countertops, a spacious pantry and a generous breakfast bar overlooking the main living area. Natural light fills the home, while sliding glass doors lead to a private patio where tranquil pond and conservation views provide the perfect backdrop for morning coffee or evening relaxation. Upstairs, the spacious primary suite includes an en-suite bath with a walk-in shower, two bedrooms and a versatile loft that provides additional living space. The loft can easily serve as a home office, media room, reading nook or play area. Quality finishes continue throughout the home, including ceramic tile flooring in the main living areas, maple cabinetry in the kitchen and baths, updated hardware, designer nickel lighting, ceiling fans, and classic six-panel interior doors. A secondary full bath with a tub and shower combination, a convenient first-floor powder room, and an attached one-car garage complete the home's thoughtful layout. Oakwood Terrace offers residents a carefree lifestyle with HOA services that include lawn maintenance, landscaping, water, sewer, and trash, as well as access to a beautifully maintained community pool. The neighborhood is both family and pet-friendly, providing a welcoming atmosphere for residents of all ages. Conveniently located just minutes from Tampa, major highways, shopping, dining, Tampa International Airport and Florida's award-winning Gulf Coast beaches, this exceptional townhome combines comfort, convenience, and enduring pride of ownership.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,461
Sqft
0.03 ac
Lot size
1
Garage
2008
Year built
Two
Levels
$157
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.
$2,172 /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
$2,172/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
+12.2%
Days on market
0 vs 36 typical
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 Oakwood Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Valrico. See the full Valrico guide →
Oakwood Terrace — neighborhood snapshot
Population
1,659
Median age
59
Median income
$61,417
Median home value
$78,500
Avg household
2
Households w/ children
95%
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Valrico market
$450K → $437K
Valrico median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Valrico, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the VALRICO 33594 median. See the full Valrico market guide →
Paper trail
This home's history
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
Sean Gum
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2907 BEAR OAK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2907 BEAR OAK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Sean's phone and CRM.
Straight answers
2907 BEAR OAK DRIVE FAQs
What would the monthly payment be for 2907 BEAR OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,172/mo — principal and interest, the actual property-tax bill, the $200/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 2907 BEAR OAK DRIVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2907 BEAR OAK DRIVE?+
The most recent tax bill on record (2025) was $4,289. 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 2907 BEAR OAK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Valrico?+
At $229,900, this home is listed about 52% below the Valrico median of $475,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2907 BEAR OAK DRIVE?+
Buckhorn Elementary School (elementary), Mulrennan Middle School (middle), Durant High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the VALRICO 33594 market on paper
$229,900 is 45% below the VALRICO 33594 median of $419,400, and at $157/sqft it sits under the Valrico average of $214.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Valrico market that averages 36 — if it fits, move quickly.
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Isabelle Albert. MLS #A4702043.
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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