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2951 Stewart Creek Cir, Plant City, FL, 33565

3beds
3baths
2,046sqft
$459,990
$225price/sqft
$3,132/moest. monthly cost
$125,280/yrincome needed

About This Home

Welcome to this beautifully designed 3-bedroom, 3-bath with seperate Den/Office offering 2,046 square feet of thoughtfully planned livingspace. Step inside to find an open and inviting floor plan that seamlessly blends comfort and functionality. The spacious great room flowseffortlessly into the kitchen and dining areas, creating the perfect setting for everyday living and entertaining. The kitchen features moderncabinetry, ample counter space, and a large island ideal for casual gatherings. The owner’s suite provides a private retreat with a well-appointedensuite bath, dual vanities, walk-in shower, and generous walk-in closet. Three additional bedrooms and two full baths provides plenty of spacefor family, guests, or a home office. Enjoy the convenience of a versatile layout, abundant natural light, and quality finishes throughout. Theoutdoor living space and backyard provide the perfect setting for relaxing evenings or weekend get-togethers. This home delivers both style andpracticality in one of the area’s most desirable locations. Don’t miss your chance to make it yours!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Knights Elementary SchoolGrades PK-54.3 mi
3/10
Marshall Middle SchoolGrades 6-82.3 mi
5/10
Plant City High SchoolGrades 9-124.4 mi

Construction

Condition

  • Property condition: Completed
  • New construction: Yes
  • Year built: 2025

Materials

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

Other

  • Builder model: Belmar
  • Builder name: Cardel Homes LLC

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Microwave,Range
  • Laundry features: Laundry Room

Bathroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedroom4

  • Features: Built-in Closet
  • Level: First
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

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

Features

  • Eating Space In Kitchen,In Wall Pest System,Kitchen/Family Room Combo,Open Floorplan,Pest Guard System,Primary Bedroom Main Floor,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Thermostat,Tray Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile

Great Room

  • Level: First
  • Area: 345
  • Dimensions: 23x15

Heating & Cooling

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

Interior Area

  • Total structure area: 2,534
  • Total interior livable area: 2,046 sqft

Kitchen

  • Features: Pantry
  • Level: First
  • Area: 144
  • Dimensions: 12x12

Laundry

  • Level: First
  • Area: 48
  • Dimensions: 8x6

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 208
  • Dimensions: 16x13

Property

Details

  • Parcel number: P152822D6Y00000000015.0
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Sidewalk

Lot

  • Lot size: 5,750 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

  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Drought
Hail
Heat Wave
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Hillsborough 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 $2,325$27,900
Home Insurance *$281$3,372
Property Taxes $321$3,852
Electricity $205$2,470
Total$3,132$37,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,382/yr
40% on housing$93,960/yr
45% on housing$83,520/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$225This listing

vs Other Active Listings

Avg $/sqft

ZIP 33565$160
Hillsborough County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 33565$192
Hillsborough County$231

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
2026-02-25Price change$489,990
2025-12-04Price change$499,850
2025-11-19Price change$556,750
2025-09-30Price change$559,750
2025-09-13Listed for sale$574,050

New Construction

AgentBrian Phillips
BrokerageHARTNEY REALTY & DEVELOPMENT

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