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10767 Penny Gale Loop, San Antonio, FL, 33576

3beds
3baths
1,961sqft
$345,990
$176price/sqft
$2,469/moest. monthly cost
$98,760/yrincome needed

About This Home

One or more photo(s) has been virtually staged. Owner Financing available!!! 10767 Penny Gale Loop — Where Every Day Feels Like Coming Home to Vacation There’s a certain feeling you get the moment you arrive at something warm, welcoming, and unmistakably special. This beautifully appointed 3-bedroom, 3-bathroom home sits in the heart of Mirada, a community built around connection, comfort, and the joy of everyday living. Just beyond your doorstep lies the iconic 15-acre Mirada Lagoon, the largest in the nation. It’s more than an amenity—it’s a lifestyle. Mornings can begin with your toes in the sand, afternoons spent kayaking or paddleboarding across crystal-blue water, and evenings unwinding beneath the glow of sunset. The lagoon’s sandy shores, swim-up areas, cabanas, water slides, splash park, and floating obstacle course create a place where families laugh, friends gather, and memories come easily. Mirada’s charm extends far beyond the water. Scenic multi-modal paths, nature trails, a playground, and a dedicated dog park invite you to slow down, breathe deeply, and enjoy the outdoors. And with State Road 52 just outside the community and I-75 only five minutes away, you’re close to downtown Tampa while still wrapped in the calm of a peaceful suburban retreat. A Community That Feels Like Its Own Little World The Market at Mirada brings convenience right to you, with a Publix, shops, and restaurants just moments away. When you’re ready to explore, The Grove, Wiregrass Mall, Tampa Premium Outlets, and countless dining options are all within a short drive. For a touch of small-town charm, historic Downtown Dade City offers quaint boutiques and cozy local eateries. A Place Designed for Connection Whether you’re joining neighbors for events on the lagoon’s event lawn, taking a sunset golf cart ride, or play at the tot lots, Mirada makes it easy to feel part of something bigger.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
2/10
Pasco Middle SchoolGrades 6-87.0 mi
3/10
Pasco High SchoolGrades PK,9-124.9 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Other

  • Builder model: Darwin
  • Builder name: D.R. Horton

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 104
  • Dimensions: 13x8

Features

  • Open Floorplan,Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile

Great Room

  • Level: First
  • Area: 210
  • Dimensions: 14x15

Heating & Cooling

  • Heating features: Central,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,468
  • Total interior livable area: 1,961 sqft

Kitchen

  • Level: First
  • Area: 195
  • Dimensions: 13x15

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 224
  • Dimensions: 14x16

Property

Details

  • Parcel number: 15 25 20 0020 02100 0400
  • Zoning: MPUD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Other
  • Exterior features: Irrigation System

Lot

  • Lot size: 5,592 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in Pasco County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,749$20,988
Home Insurance *$144$1,728
Property Taxes $379$4,548
Electricity $197$2,368
Total$2,469$29,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,651/yr
40% on housing$74,070/yr
45% on housing$65,840/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$176This listing

vs Other Active Listings

Avg $/sqft

ZIP 33576$184
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 33576$200
Pasco County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-10Price change$379,900
2026-02-03Listed for sale$383,000
2024-10-14Listing removed$2,400
2024-05-03Listing removed--
2024-02-13Listed for rent$2,400
2023-04-11Listing removed--
2023-04-07Price change$2,100
2023-03-17Listed for rent$2,500
2023-03-13Sold$382,990
2022-10-20Pending sale$382,990
2022-10-13Price change$382,990
2022-10-10Price change$392,990
2022-09-14Listed for sale$399,990

For Sale by Agent

AgentKevin Liang
BrokerageREAL BROKER, LLC

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