31448 PENNY SURF LOOP, WESLEY CHAPEL, FL, 33545
Active55 days on marketListed May 29, 2026MLS #TB8513397
About this home
31448 PENNY SURF LOOP
Welcome to this beautifully designed home located in the highly sought-after Epperson community — one of Wesley Chapel’s premier master-planned neighborhoods known for its resort-style living and unmatched amenities. Combining modern elegance, comfort, and convenience, this exceptional property offers the ultimate Florida lifestyle buyers are looking for. Step inside to discover a bright open-concept floor plan filled with natural light, soaring ceilings, and stylish contemporary finishes throughout. The gourmet kitchen serves as the heart of the home, featuring sleek cabinetry, quartz/granite countertops, stainless steel appliances, and a spacious island perfect for entertaining family and friends. The luxurious primary suite provides a peaceful private retreat complete with a spa-inspired bathroom and oversized walk-in closet. Additional bedrooms give flexibility for family, guests, or a home office setup. Enjoy outdoor living year-round from the covered lanai and spacious backyard — ideal for relaxing evenings, weekend BBQs, or creating your own private oasis. Living in Epperson means enjoying access to world-class community amenities, including: The famous crystal-clear lagoon Sandy beaches & resort-style experiences Kayaking, paddleboarding & outdoor activities Walking trails, parks & golf cart-friendly streets Community events and family-friendly lifestyle Ideally located just minutes from: • Top-rated schools • Shopping & dining • Tampa Premium Outlets & The Shops at Wiregrass • Major highways including I-75 & SR-54 • Hospitals, entertainment, and everyday conveniences This move-in ready home offers incredible value in one of Tampa Bay’s fastest-growing and most desirable communities. Whether you’re searching for your dream home, vacation-style living, or a strong investment opportunity, this property truly checks every box.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,260
Sqft
0.12 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$192
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.
$3,701 /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
$3,701/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
+8.5%
Days on market
55 vs 32 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 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)
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the WESLEY CHAPEL 33545 median. See the full Wesley Chapel 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 31448 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 31448 PENNY SURF LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
31448 PENNY SURF LOOP FAQs
What would the monthly payment be for 31448 PENNY SURF LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,701/mo — principal and interest, the actual property-tax bill, the $87/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 31448 PENNY SURF LOOP?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 31448 PENNY SURF LOOP?+
The most recent tax bill on record (2025) was $8,442. 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 31448 PENNY SURF LOOP?+
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 Wesley Chapel?+
At $434,500, this home is priced right at the Wesley Chapel median.
Which schools are assigned to 31448 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.
Listing courtesy of LPT REALTY, LLC · Jaime Barrios. MLS #TB8513397.
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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