7109 SPINDLE TREE LANE, RIVERVIEW, FL, 33578
Active209 days on marketListed Dec 27, 2025MLS #TB8459124
About this home
7109 SPINDLE TREE LANE
Virtually Staged. Welcome to this beautifully maintained ranch-style home located in the Oak Creek community! It features 3 bedrooms, 2 bathrooms, and a dedicated office space with wonderful natural lighting just off the entrance of the home. The open-concept is perfect for both everyday living and entertaining. Enjoy the convenience and space of a 3-car garage. Relax on the covered lanai, overlooking the rear-vinyl fenced yard- ideal for privacy and outdoor enjoyment. This is a wonderful opportunity to own a move-in ready home in a great community with a pool, gym and community center that is close to shopping, schools, and the city of Tampa just a short drive away!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,051
Sqft
0.16 ac
Lot size
3
Garage
2012
Year built
One
Levels
$234
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.
$4,007 /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
$4,007/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
+26.8%
$/sqft vs Riverview actives
$234 vs $185
Days on market
209 vs 33 typical
Where $234/sqft sits among the 400 Riverview 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 Riverview
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Riverview. See the full Riverview guide →
RIVERVIEW 33578 — neighborhood snapshot
Population
58,474
Median age
35
Median income
$80,223
Median home value
$298,000
Avg household
2.45
Households w/ children
7,421
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Riverview market
$397K → $369K
Riverview median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
202 of 400
Riverview actives have cut their price
Median sold price, Riverview, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% above the RIVERVIEW 33578 median. See the full Riverview market guide →
Paper trail
This home's history
Reality check
What actually sold near 7109 SPINDLE TREE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$525,000
8503 WHITE POPLAR DRIVE · same community
3 bd · 2 ba · 2,048 sqft · $256/sqft · 225 DOM
Sold · Feb ’26$480,000
8445 WHITE POPLAR DRIVE · same community
4 bd · 3 ba · 2,215 sqft · $217/sqft · 97 DOM
Sold · May ’26$454,000
8437 WHITE POPLAR DRIVE · same community
4 bd · 3 ba · 2,637 sqft · $172/sqft · 32 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 7109 SPINDLE TREE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7109 SPINDLE TREE 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
7109 SPINDLE TREE LANE FAQs
What would the monthly payment be for 7109 SPINDLE TREE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,007/mo — principal and interest, the actual property-tax bill, the $91/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 7109 SPINDLE TREE LANE?+
The association fee works out to $91 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7109 SPINDLE TREE LANE?+
The most recent tax bill on record (2025) was $8,693. 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 7109 SPINDLE TREE LANE?+
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 Riverview?+
At $479,000, this home is listed about 23% above the Riverview median of $389,250. The market section on this page shows how the area is trending.
Which schools are assigned to 7109 SPINDLE TREE LANE?+
Spoto High School (high), Ippolito Elementary School (elementary), 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
01Positioned at the premium end
$479,000 runs 63% above the RIVERVIEW 33578 median.
02Time on market is leverage
209 days on market against a Riverview median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $499,000, now $479,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MILITARY FIRST REAL ESTATE LLC · Carrie Beltran. MLS #TB8459124.
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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