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10570 PENNY GALE LOOP, San Antonio, FL, 33576

5beds
3baths
2,447sqft
$430,000
$176price/sqft
$3,269/moest. monthly cost
$130,760/yrincome needed

About This Home

This stunning 5-bedroom, 3-bathroom home offers the perfect blend of comfort, convenience, and resort-style living—complete with Mirada Lagoon access, FREE Internet + Cable TV, a TESLA charger, a fully Fenced backyard, and a whole-home WATER Softener system. Located near the 15-acre Mirada Lagoon, residents enjoy resort-style amenities including cabanas, kayaking, multi-modal paths, nature trails, dog park, playground, and golf cart access. Conveniently close to Publix, shops, restaurants, The Grove, Wiregrass Mall, and Tampa Premium Outlets. The kitchen features granite countertops, a center island with breakfast bar seating, stainless steel appliances, and three storage closets. Bedrooms are generously sized; includes a closets. The backyard offers a large open patio and peaceful views. Step outside to a fully fenced backyard offering privacy, a tranquil view, and a spacious open patio perfect for entertaining. With free internet + cable, a Tesla charger, and a water softener system, this home delivers comfort and value from day one. A rare opportunity to own a well-appointed home in one of Florida’s most innovative communities.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
3/10
Pasco Middle SchoolGrades 6-86.9 mi
3/10
Pasco High SchoolGrades PK,9-124.9 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block,Concrete

Other

  • Builder name: DR Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer,Water Softener
  • Laundry features: Laundry Closet,Laundry Room

Bathroom1

  • Level: Second

Bathroom2

  • Level: First

Bathroom3

  • Level: Second

Bedroom1

  • Features: Built-in Closet
  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: Second

Bedroom3

  • Features: Built-in Closet
  • Level: Second

Bedroom4

  • Features: Built-in Closet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Thermostat,Walk-In Closet(s)
  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,447
  • Total interior livable area: 2,447 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: Second

Property

Details

  • Parcel number: 1525200020022000400
  • Zoning: MPUD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Sprinkler Metered
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Water,Pond
  • Has water view: Yes
  • Water view: Water,Pond
  • Waterfront features: Pond Access

Lot

  • Lot size: 5,854 sqft

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $2,174$26,088
Home Insurance *$179$2,148
Property Taxes $670$8,040
Electricity $246$2,955
Total$3,269$39,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,080/yr
40% on housing$98,070/yr
45% on housing$87,173/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
2026-08-01Listing removed$2,600
2026-07-11Listed for rent$2,600
2026-07-04Listed for sale$430,000
2022-03-31Sold$417,990
2021-11-29Pending sale$417,990
2021-11-24Price change$417,990
2021-11-17Price change$419,990
2021-11-09Listed for sale$424,990

For Sale by Agent

AgentShyam Mallesh
BrokerageREALTY HUB

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