Ryland Lock
$574,9003 bd2 ba1,659 sqft$347 /sqft$3,737 /mo all-in ↓

1904 CAPRI ROAD, VALRICO, FL, 33594

Active1 days on marketListed Aug 5, 2026MLS #TB8536145

WaterfrontSingle Family ResidenceVALRICO LAKE ESTATES FIRST ADD

About this home

1904 CAPRI ROAD

YOUR SEARCH IS OVER! Welcome to 1904 Capri Road, a RARE WATERFRONT HOME situated on 1.24 ACRES along a SKIABLE “LAKE VALRICO.” Enjoy privacy, lake access, and plenty of space with NO HOA dues, NO CDD fees, and NO deed restrictions. A long private driveway leads to the home, surrounded by mature oak trees, lush landscaping, and a peaceful natural setting. Double entry doors open to a bright, flexible floor plan filled with natural light and beautiful backyard and lake views. The first floor offers a spacious front living room, two generously sized secondary bedrooms, and a shared full bathroom with an updated vanity and tiled tub and shower surround with built-in seating. The main living area features Saltillo-style tile, soaring ceilings, large windows, sliding glass doors, and a dramatic floor-to-ceiling stone fireplace framed by wood accents and built-in shelving. The updated kitchen overlooks the main living area and features white cabinetry, granite countertops, a subway tile backsplash, stainless steel appliances, a built-in oven and microwave, an electric cooktop, abundant storage, and a small breakfast bar. A large window above the sink perfectly frames the backyard and lake views. Upstairs, the private primary suite features vaulted ceilings, wood-look flooring, clerestory windows, and an open overlook to the main living area. Sliding glass doors lead to a large covered and screened balcony overlooking the lake. The primary bathroom offers updated cabinetry, generous counter space, an oversized tiled walk-in shower with built-in seating, and direct balcony access. Outdoor living includes a large covered first-floor porch, an additional screened section, an expansive yard, storage shed, covered structure for boats or toys, and a side-entry two-car garage. With direct access to a skiable lake, you can enjoy boating, fishing, and water sports right from your backyard while remaining close to shopping, dining, schools, and major roadways.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,659

Sqft

1.24 ac

Lot size

2

Garage

1981

Year built

Two

Levels

$347

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame · Wood Siding
FoundationSlab
ViewWater
FacesEast
ParkingCovered · Driveway · Garage Door Opener · Garage Faces Side · RV Carport
ExteriorPrivate Mailbox · Sliding Doors

Community & fees

Taxes (2025)$3,111/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,737 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,102
PMI (est., until 20% equity)$216
Property tax — 2025 actual bill$259
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $57,490
Interest rate6.00%
Loan term

Estimated payment

$3,737/mo

Principal & interest$3,102
PMI (est., until 20% equity)$216
Property taxes (actual bill)$259
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $575K
$319KedgeAI estimate $387,343 · range $332K$444K$598K

vs edgeAI estimate

+48.4%

Days on market

1 vs 36 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 Valrico Lake Estates

Map of 1904 CAPRI ROAD inside its neighborhood boundary

Drive times from this address

Downtown Tampa21 min
Tampa Int’l Airport (TPA)34 min
Walt Disney World69 min

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

Get to know Valrico. See the full Valrico guide →

Valrico Lake Estates — neighborhood snapshot

Population

122

Median age

41

Median income

$117,813

Median home value

$294,800

Avg household

2

Households w/ children

10%

For the school run

Hillsborough County School District

ElementaryYates Elementary School★★★★
MiddleMann Middle School★★★★
HighBrandon High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Valrico market

Seller’s marketSeller’s market2.7 months of inventoryBuyer’s market

$450K$437K

Valrico median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

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

This home is listed 37% above the VALRICO 33594 median. See the full Valrico market guide →

Paper trail

This home's history

Aug 5, 2026Listed at $574,900 · 1 days on market since
1981Built · VALRICO LAKE ESTATES FIRST ADD

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.

Ryland Lock

Your agent

Ryland Lock

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1904 CAPRI ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1904 CAPRI ROAD — before you fall in love.

See it in person

Schedule a tour

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

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Goes straight to Ryland’s phone and CRM.

Straight answers

1904 CAPRI ROAD FAQs

What would the monthly payment be for 1904 CAPRI ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,737/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1904 CAPRI ROAD?+

The most recent tax bill on record (2025) was $3,111. 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 1904 CAPRI ROAD?+

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 Valrico?+

At $574,900, this home is listed about 22% above the Valrico median of $469,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1904 CAPRI ROAD?+

Yates Elementary School (elementary), Mann Middle School (middle), Brandon 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

01Positioned at the premium end

$574,900 runs 37% above the VALRICO 33594 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Valrico market that averages 36 — if it fits, move quickly.

Listing courtesy of ASSIST 2 SELL THE ESHACK TEAM · Aaron Eshack. MLS #TB8536145.

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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