12653 PALAPA LOOP, SPRING HILL, FL, 34610
Active123 days on marketListed Mar 20, 2026MLS #W7884078
About this home
12653 PALAPA LOOP
Beautiful 3-bedroom, 2-bathroom home featuring a modern open-concept design. This property offers a stunning upgraded kitchen with granite countertops, perfect for entertaining and everyday living. Enjoy a spacious layout filled with natural light and seamless flow between living, dining, and kitchen areas. Step outside to your private backyard oasis with a saltwater pool equipped with a heater, ideal for year-round enjoyment. The home also features a professionally insulated structure for enhanced energy efficiency and comfort. The exterior includes a well-designed paver walkway, adding both curb appeal and durability. This home combines style, functionality, and comfort-perfect for families or anyone looking for a move-in-ready property. Don't miss this exceptional opportunity!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,673
Sqft
0.18 ac
Lot size
2
Garage
2020
Year built
One
Levels
$266
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.
$3,605 /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
$3,605/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.
$/sqft vs Spring Hill actives
$266 vs $193
Days on market
123 vs 29 typical
Where $266/sqft sits among the 400 Spring Hill actives
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 Talavera
Get to know Spring Hill. See the full Spring Hill guide →
Talavera — neighborhood snapshot
Population
1,169
Median age
52
Median income
$91,307
Median home value
$428,000
Avg household
2
Households w/ children
68%
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
196 of 400
Spring Hill actives have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the SPRING HILL 34610 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 12653 PALAPA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$375,000
12629 PALAPA LOOP · same community
3 bd · 2 ba · 1,620 sqft · $231/sqft · 36 DOM
Sold · Feb ’26$415,000
12770 PALAPA LOOP · same community
4 bd · 2 ba · 2,484 sqft · $167/sqft · 108 DOM
Sold · Apr ’26$745,000
12740 PALAPA LOOP · same community
4 bd · 3.5 ba · 3,797 sqft · $196/sqft · 50 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 12653 PALAPA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12653 PALAPA 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
12653 PALAPA LOOP FAQs
What would the monthly payment be for 12653 PALAPA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,605/mo — principal and interest, the actual property-tax bill, the $22/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 12653 PALAPA LOOP?+
The association fee works out to $22 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12653 PALAPA LOOP?+
The most recent tax bill on record (2025) was $7,280. 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 12653 PALAPA LOOP?+
The listing reports pets: Yes. 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 Spring Hill?+
At $445,000, this home is listed about 29% above the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12653 PALAPA LOOP?+
Dr. Mary Giella Elementary School (elementary), Crews Lake Middle School. (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$445,000 runs 19% above the SPRING HILL 34610 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
123 days on market against a Spring Hill median of 29 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of HOMETRUST REALTY GROUP · Yadira Hector. MLS #W7884078.
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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