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List Price

$1,399,900

7224 Graybrook, Wesley Chapel, FL 33545

190 days on market

Estimated Payment

$12,795/mo

$0 down with a USDA loan and current market rates

Bedrooms5 bdBathrooms5 baLiving area4,429 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2021

Listed by

Harshal Patel

H. PATEL REAL ESTATE LLC

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

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Step into a lifestyle of curated elegance in this former M/I model home, perfectly situated within the sought after exclusive gated enclave of Graybrook at Watergrass. Better than new, this five-bedroom, 4.5-bathroom masterpiece offers a rare blend of designer upgrades and functional luxury, balancing grand-scale entertaining with intimate daily living. Architectural highlights make a commanding first impression, featuring soaring 14-foot ceilings, bespoke custom woodwork, and designer lighting that accentuates the light-drenched, open-concept floor plan. At the heart of the home, the chef’s kitchen serves as a functional work of art, boasting an expansive quartz waterfall island, premium built-in appliances, and a generous walk-in pantry. Seamlessly transition outdoors through expansive sliders to your private sanctuary: a newer installed heated saltwater pool (2024) and extended patio. Set against a serene backdrop of protected, multi-acre conservation land, this property ensures absolute privacy with no rear neighbors, creating a tranquil, resort-style setting for relaxing or hosting. The thoughtful layout is designed for maximum flexibility, featuring a luxurious primary retreat and three bedrooms, including a private guest bedroom with its own en suite bathroom—on the main floor. Upstairs, a generous loft and an additional bedroom with en suite bathroom provide flexible space for guests, a media room, second office or multigenerational living. As a resident of WaterGrass, you’ll enjoy resort-style amenities including three community pools — a zero-entry resort style pool currently being converted to a heated pool, a lap pool, and a traditional pool, plus a splash pad, tennis courts, coming-soon pickleball courts, clubhouse with fitness center, pavilion, dog park, and numerous parks, including one just steps away across from the home in Graybrook, making outdoor living truly effortless. Convenience is unmatched with I-75 just minutes away and everyday essentials like Publix, Starbucks, Chase bank, and professional offices just down the street. Top-rated schools, including Watergrass Elementary, Kirkland Ranch Academy of Innovation, and Innovation Preparatory Academy, are just moments away. The home’s prime location also offers easy access to Tampa Premium Outlets, The Shops at Wiregrass, KRATE at the Grove, top hospitals, and an array of dining and retail options. Discover the unparalleled blend of luxury, convenience, and community living in this exceptional home.

7224 Graybrook, Wesley Chapel, FL 33545 in Wesley Chapel, FL 33545 is listed for $1,399,900. The home has 5 bedrooms, 5 bathrooms, and 4,429 square feet, and was built in 2021. Listed 190 days ago. The listing is held by H. PATEL REAL ESTATE LLC.

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$18,639 (tax year 2025)
HOA fee$14 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 the latest published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$12,795/moest.

0% down -- about $2,418 more per month than 20% down conventional.

  • Principal & Interest 75%
  • Property Taxes 12%
  • Insurance 9%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$9,649
Property Taxesfrom listing
$1,553
Insurance
$1,167
HOA
$14
USDA Annual Fee
$412

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

Included in your loan amount

USDA Guarantee Fee (financed)
$13,999

30-year fixed at 7.254%, as of November 12, 2026

Assumptions

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

Mortgage rate: 7.254% for a 30-year fixed loan (Optimal Blue daily, published November 12, 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 $12,795, 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 $18,639 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# MFR789737261. HomeJam is not the listing broker.

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