Faith Barron
$365,0003 bd2 ba1,682 sqft$217 /sqft$2,973 /mo all-in ↓

12929 PALAPA LOOP, SPRING HILL, FL, 34610

Active1 days on marketListed Jul 30, 2026MLS #W7888086

WaterfrontFully furnishedSingle Family ResidenceTALAVERA PHASE 1A-3

About this home

12929 PALAPA LOOP

Situated in the desirable Talavera community, this beautifully positioned on a 0.21-acre homesite overlooking a peaceful community pond, this well-maintained 3-bedroom, 2-bath home offers an inviting blend of comfort, style, and functional living. Attractive curb appeal begins with manicured landscaping, decorative stacked-stone accents, a covered front entry with an arched architectural detail, and a spacious two-car garage, creating a warm first impression upon arrival. Stepping inside, the welcoming foyer features tile flooring, high ceilings, and a long hallway that leads your eye toward the bright, open living spaces beyond. Just off the entry are two generously sized secondary bedrooms, each offering tile flooring, ceiling fans, abundant natural light, and built-in closets. Positioned between them is a full guest bathroom complete with a granite vanity, dark wood cabinetry, updated lighting, and a tub with a full-height tiled surround, creating a convenient and private wing for family members or guests. Continuing into the heart of the home, the spacious living room is designed for both everyday living and entertaining. A tray ceiling with recessed lighting adds architectural interest, while large windows frame peaceful backyard and pond views, filling the room with natural light. The seamless connection to the kitchen and dining area creates an open, welcoming atmosphere where everyone can gather comfortably. The kitchen serves as the centerpiece of the home, offering granite countertops, rich dark wood cabinetry, stainless steel appliances, recessed lighting, a pantry, abundant cabinet storage, and a large center island with breakfast bar seating beneath elegant pendant lighting. A window above the sink brightens the workspace, while the adjacent dining area overlooks the backyard and features sliding glass doors that open directly to the covered patio, making indoor and outdoor entertaining effortless. Privately situated at the rear of the home, the spacious primary suite provides a relaxing retreat away from the secondary bedrooms. The room features tile flooring, a large backyard-facing window, and plenty of space for a full bedroom suite. The en-suite bathroom is thoughtfully appointed with a water closet, dual-sink granite vanity, abundant dark wood cabinetry, framed mirror, updated lighting, a spacious tiled walk-in shower with a glass enclosure, and an oversized walk-in closet. Just outside the suite, the dedicated laundry room offers washer and dryer hookups, built-in shelving, and a utility sink for added convenience. Step outside to a covered patio overlooking an expansive backyard where tranquil pond views create the perfect backdrop for relaxing or entertaining. White fencing reserves both privacy and the scenic waterfront setting, while mature shade trees and generous green space provide endless opportunities for outdoor enjoyment. Combining quality finishes and a peaceful waterfront setting, this home offers comfort, functionality, and a place you'll truly enjoy coming home to. A roof installed in 2018 and impact glass/storm windows provide added value, durability, and peace of mind. This well-maintained home offers access to an impressive collection of amenities, including a resort-style community pool, cabana, playground, basketball court, tennis courts, community pond, and community garden, all maintained through the Homeowners Association.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,682

Sqft

0.22 ac

Lot size

2

Garage

2018

Year built

One

Levels

$217

Per sqft

WaterfrontGarden & Water viewFurnishedPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Water Softener
InteriorKitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Concrete
FoundationBlock
ViewGarden · Water
FacesEast
ParkingCovered · Driveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$19/mo
Taxes (2025)$5,800/yr
PetsYes
CommunityClubhouse · Fitness Center · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Phone Available · Sewer Available · Sewer Connected · Sprinkler Meter · Street Lights · Water Available · Water Connected
WaterPublic

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.

$2,973 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$483
HOA fee — from the listing$19
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,775Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,775
Interest rate6.00%
Loan term

Estimated payment

$2,973/mo

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$483
HOA / condo fee$19
Est. insurance$160

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.

List $365K
$350KedgeAI estimate $462,999 · range $368K$823K$856K

vs edgeAI estimate

−21.2%

Days on market

1 vs 29 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 Talavera

Map of 12929 PALAPA LOOP inside its neighborhood boundary

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)42 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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

ElementaryDr. Mary Giella Elementary School★★★★★
MiddleCrews Lake Middle School.★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Spring Hill market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$320K$318K

Spring Hill median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 2% below the SPRING HILL 34610 median. See the full Spring Hill market guide →

Paper trail

This home's history

Jul 30, 2026Listed at $365,000 · 1 days on market since
2018Built · TALAVERA PHASE 1A-3

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.

Faith Barron

Your agent

Faith Barron

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12929 PALAPA LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12929 PALAPA LOOP — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Faith's phone and CRM.

Goes straight to Faith’s phone and CRM.

Straight answers

12929 PALAPA LOOP FAQs

What would the monthly payment be for 12929 PALAPA LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,973/mo — principal and interest, the actual property-tax bill, the $19/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 12929 PALAPA LOOP?+

The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12929 PALAPA LOOP?+

The most recent tax bill on record (2025) was $5,800. 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 12929 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 $365,000, this home is listed about 6% 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 12929 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.

Listing courtesy of RE/MAX MARKETING SPECIALISTS · Ross Hardy. MLS #W7888086.

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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12929 PALAPA LOOP, SPRING HILL, FL — 3 Bed, 2 Bath — $365,000 | CENTURY 21 Edge