12890 PAYTON STREET, Odessa, FL, 33556
About This Home
Beautiful 4-bedroom, 3-bathroom home with a loft in highly sought-after Starkey Ranch! This well-appointed home features tile flooring throughout, elegant tray ceilings, numerous builder upgrades, and a 2-car garage. The spacious loft offers flexible space for a home office, media room, or additional living area. Enjoy Florida outdoor living from the seller-added screened-in lanai, perfect for relaxing or entertaining. A water softener was also added by the seller for added convenience. Located in a desirable community with A-rated schools, exceptional amenities, parks, trails, shopping, dining, and convenient access to major roadways. A wonderful opportunity to enjoy the Starkey Ranch lifestyle!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2018
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Stucco,Wood Frame (FSC Certified)
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Convection Oven,Cooktop,Dishwasher,Disposal,Dryer,Gas Water Heater,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan(s),Crown Molding,In Wall Pest System,Kitchen/Family Room Combo,Stone Counters,Tray Ceiling(s)
- Door features: Sliding Doors
- Window features: Window Treatments,Hurricane Shutters
- Flooring: Tile
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,799
- Total interior livable area: 2,881 sqft
Kitchen
- Level: First
- Area: 184.8
- Dimensions: 11x16.8
Living Room
- Level: First
- Area: 295.84
- Dimensions: 17.2x17.2
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: Basement
- Area: 190.35
- Dimensions: 13.5x14.1
Property
Details
- Parcel number: 2826170100002000090
- Zoning: MPUD
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Exterior features: Irrigation System,Private Yard,Sidewalk
Lot
- Lot size: 5,877 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
- Inland Flooding
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pasco County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,337 | $40,044 |
| Home Insurance * | $354 | $4,248 |
| Property Taxes | $457 | $5,484 |
| Electricity | $289 | $3,479 |
| Total | $4,437 | $53,244 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-30 | Listed for sale | $660,000 |
| 2018-10-12 | Sold | $385,700 |
View on Zillow