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List Price

$725,000

6946 Talamore, Wesley Chapel, FL 33545

117 days on market↓ $25K from original list price

Estimated Payment

$6,739/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms5 baLiving area2,920 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2022

Listed by

Ami Rivera

SMITH & ASSOCIATES REAL ESTATE

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

Exceptional living starts in the Taylor Morrison St. Croix in Talamore at Watergrass! This floor plan is no longer being built in this immediate area! Single story, 4 bedrooms- each with their own en suite bath PLUS an additional half bathroom for guests AND an enclosed office space. This floor plan is stunning from the high ceilings to the endless views from all areas of the great room to the outdoors. With both pond and conservation views with no rear neighbors & a panoramic screened in pool area, you've got a Western facing front row seat to the sunset every night. As you tour your new home the attention to additional details from accent walls, to built in shelving and features throughout to the beams across the living area- this heavily upgraded home is ready for its new chapter. Bedrooms 2 & 3 are toward the anterior of the house while bedroom 4 shares the back yard views as does the primary. The three-way split floor plan meets at the center great room with living area, dining, and kitchen all central in this space. Additionally the office with its glass doors, gives additional flexibility to use for work, play, guest room, you name it! Off the kitchen is the upgraded laundry room, walk in pantry, and catch all area off the 3 car garage. There's a smart utilization of space throughout.

6946 Talamore, Wesley Chapel, FL 33545 in Wesley Chapel, FL 33545 is listed for $725,000. The home has 4 bedrooms, 5 bathrooms, and 2,920 square feet, and was built in 2022. Listed 117 days ago. The price was reduced from $750,000. The listing is held by SMITH & ASSOCIATES REAL ESTATE.

33545 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$12,237 (tax year 2025)
HOA fee$15 per month

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 0% down on a USDA Rural Development loan, based on today's published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$6,739/moest.

  • Principal & Interest 73%
  • Property Taxes 15%
  • Insurance 9%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$4,886
Property Taxesfrom listing
$1,020
Insurance
$604
HOA
$15
USDA Annual Fee
$214

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$7,250

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% 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. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $6,739, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $12,237 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 Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR792123282. HomeJam is not the listing broker.

List Price

$725,000

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