10406 RECLINATA LANE, TAMPA, FL, 33618
Active70 days on marketListed Jun 4, 2026MLS #O6413914
About this home
10406 RECLINATA LANE
Home is available for Rent to own / lease option /rent to buy / creative financing available , bad credit ok / No banks necessary Carrollwood executive home Home is available for Rent to own / lease option a 5 bedroom 3 bath home that has lake access to ski lake carroll, has been newly remodeled, has a pool, fenced lot with huge trees. It's a large spacious home in old carrollwood. This home is right off dale mabury hwy and is in a great location. The home has a pool, fridge, stove, stainless steel fridge and stove. BRAND NEW AC UNIT As you walk into the home you are welcomed by a dinning room and a large living area. scaling behind the living room is another very large room that has plenty of space. The backdoor in the room leads out to a huge fenced yard with a pool sitting in the middle. This home is great for cookouts or parties. In the front of the home you have a covered carport as well as several storage areas. This home is located in the highly desirable Carrollwood area. -carrollwood -old carrollwood -ski lake -executive home -mature oaks -large lot -ranch style home -large executive home -ski lake carroll -lake carroll beach park -sandy beach front -lake access to ski lake carroll -access to lake carroll beachfront park Lake Carroll is a 190-acre freshwater lake located in the heart of Carrollwood in Tampa, Florida. Known for its central location, it is a popular spot for boating, fishing, and watersports Residents at the home have access to the private lake
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,600
Sqft
0.28 ac
Lot size
1976
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$189 /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
$189/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Tampa actives
$1 vs $299
Days on market
70 vs 43 typical
Where $1/sqft sits among the 400 Tampa 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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33618 — neighborhood snapshot
Population
27,588
Median age
41.9
Median income
$79,850
Median home value
$379,200
Avg household
2.32
Households w/ children
3,023
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
219 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the TAMPA 33618 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10406 RECLINATA LANE
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$610,000
10408 RECLINATA LANE · same community
4 bd · 2 ba · 2,849 sqft · $214/sqft · 30 DOM
Sold · Feb ’26$540,000
10524 ORANGE GROVE DRIVE · same community
3 bd · 2 ba · 1,668 sqft · $324/sqft · 45 DOM
Sold · May ’26$875,000
2908 WHITTINGTON PLACE
5 bd · 3.5 ba · 3,575 sqft · $245/sqft · 101 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10406 RECLINATA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10406 RECLINATA LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
10406 RECLINATA LANE FAQs
What would the monthly payment be for 10406 RECLINATA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $189/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 10406 RECLINATA LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 Tampa?+
At $3,995, this home is listed about 99% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10406 RECLINATA LANE?+
Carrollwood K-8 School (elementary), Chamberlain High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the TAMPA 33618 market on paper
$3,995 is 99% below the TAMPA 33618 median of $279,500, and at $1/sqft it sits under the Tampa average of $344.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $4,295, now $3,995 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CAPITAL HOMES INC · Robert Wagner. MLS #O6413914.
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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