Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$1,645,000

3114 Little, Valrico, FL 33596

44 days on market

Estimated Payment

$11,938/mo

20% down and current market rates

Bedrooms6 bdBathrooms7 baLiving area6,759 Square FeetYear builtBuilt 1988

Listed by

Bella Douklias

CHARLES RUTENBERG REALTY INC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Virtually Staged. Welcome to an exceptional private estate set on nearly 2.5 acres in the heart of Valrico. This impressive 6,759-square-foot residence offers 6 bedrooms, 6.5 bathrooms, a five-car garage, and an extraordinary combination of space, privacy, and versatility. Privately positioned behind two gated entrances with a convenient double-driveway design, the property creates an impressive sense of arrival while offering the peaceful surroundings of an acreage estate. Step inside to an expansive interior featuring brand-new flooring throughout and beautifully updated bathrooms. Designed for both comfortable everyday living and entertaining, the home offers generously sized living spaces and a thoughtful layout that provides exceptional privacy for family and guests. Every bedroom features its own private full bathroom, creating the comfort and convenience of a true estate residence. The first-floor primary suite is a private retreat featuring two spacious walk-in closets, a beautifully updated en-suite bath, and its own private office/sitting area with direct access to the patio—a peaceful space to work, unwind, or simply enjoy the surroundings. A second bedroom is also conveniently located on the first floor, making the layout ideal for guests or multigenerational living. Designed for the Florida lifestyle, the outdoor setting is highlighted by a private in-ground pool and spa, creating an inviting backdrop for entertaining, relaxing, and enjoying the expansive grounds year-round. Car enthusiasts, collectors, and those needing additional storage will appreciate the impressive five-car garage, a feature rarely found alongside this much acreage. Adding even more versatility is a separate guest house/secondary structure that is already wired and plumbed, ready for the next owner to bring their vision to life. Imagine a private guest retreat, entertainment lounge, game room, home gym, studio, workshop, or ultimate man cave. With nearly 2.5 acres and agricultural zoning, the property offers possibilities that are increasingly difficult to find, with room for horses, animals, gardens, and agricultural pursuits. A dedicated screened garden enclosure provides an ideal space for growing fresh herbs, vegetables, and plants while offering added protection from pests. Additional highlights include a 2018 roof, extensive interior updates, dual gated access, and the added benefit of being outside a designated flood zone. Despite its private acreage setting, the property is ideally positioned in a prime Valrico location, offering convenient access to shopping, dining, schools, and major roadways with Tampa International Airport approx 30 min away, all while preserving the privacy and peaceful surroundings of estate living. Whether entertaining poolside, enjoying the tranquility of the grounds, tending your own garden, or embracing an equestrian or agricultural lifestyle, this exceptional property offers endless possibilities for creating a truly remarkable place to call home.

3114 Little, Valrico, FL 33596 in Valrico, FL 33596 is listed for $1,645,000. The home has 6 bedrooms, 7 bathrooms, and 6,759 square feet, and was built in 1988. Listed 44 days ago. The listing is held by CHARLES RUTENBERG REALTY INC.

33596 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$19,997 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $329,000

$

$11,938/moest.

  • Principal & Interest 75%
  • Property Taxes 14%
  • Insurance 11%
Principal & Interest
$8,901
Property Taxesfrom listing
$1,666
Insurance
$1,371

30-year fixed at 7.164%, as of November 10, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

Frequently Asked Questions

The estimated monthly payment is $11,938, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $19,997 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812791187. HomeJam is not the listing broker.

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.