$325,000
SOLD SEP 2, 2025

10864 Penny Gale Loop San Antonio, FL 33576

Mirada Neighborhood
3 Beds
2 Baths
1,504 Sq Ft
6,593 Sq Ft Lot

Recently Sold

$216 Per Sq Ft

12% Below List Price

122 Days on Market

Highlights

  • Pond View
  • Open Floorplan
  • Community Pool
  • Reverse Osmosis System
  • Great Room
  • Recreation Facilities

About This Home

As of September 2025

Welcome to your possible 2.75 assumable mortgage rate, 10864 Penny Gale Loop with a beautiful appointed 3-bedroom, 2-bathroom home in the highly desirable Mirada Lagoon home boasts $10,000 in thoughtful upgrades, including modern fans, a water conditioner, enhanced doorknobs and hinges throughout. The open-concept layout features a spacious living area, a well-appointed kitchen with handles and knobs along with a quartz sink with industrial facet, a dining space perfect for entertaining. Step outside to enjoy the serene pond view, complete with a charming fountain that adds a touch of tranquility to your outdoor oasis.

This is a GREAT opportunity to live in a prime location, with easy access to local amenities while being able to enjoy the beauty and calm that this special home provides. Whether you’re unwinding by the fountain in the backyard or enjoying the Lagoon, 10864 Penny Gale Loop offers a wonderful place to call home.

Last Agent to Sell the Property

Patrick Cushman

REALTY ONE GROUP BEYOND Brokerage Email: info@rogbeyond.com License #3625501 Listed on: 02/27/2025

REALTY ONE GROUP BEYOND

Last Buyer's Agent

Patrick Cushman

REALTY ONE GROUP BEYOND Brokerage Email: info@rogbeyond.com License #3625501 Listed on: 02/27/2025

REALTY ONE GROUP BEYOND

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,434

Year Built

  • Built in 2021

Lot Details

  • 6,593 Sq Ft Lot
  • West Facing Home
  • Irrigation Equipment
  • Property is zoned MPUD

HOA Fees

  • $83 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 1,504 Sq Ft Home
  • Open Floorplan
  • Ceiling Fan
  • Great Room
  • Dining Room
  • Pond Views

Kitchen

  • Convection Oven
  • Range
  • Microwave
  • Freezer
  • Ice Maker
  • Dishwasher
  • Disposal
  • Reverse Osmosis System

Flooring

  • Carpet
  • Concrete
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Schools

  • San Antonio Elementary School
  • Pasco Middle School
  • Pasco High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Underground Utilities
  • Water Filtration System
  • Electric Water Heater
  • Water Purifier
  • Water Softener

Listing and Financial Details

  • Home warranty included in the sale of the property
  • Visit Down Payment Resource Website
  • Legal Lot and Block 16 / 22
  • Assessor Parcel Number 15-25-20-0010-02200-0160
  • $2,282 per year additional tax assessments

Community Details

Overview

  • Mirada Master Homeowners Association, Inc Association, Phone Number (813) 451-7427
  • Built by D.R. Horton
  • Mirada Subdivision, Allex Floorplan

Recreation

  • Recreation Facilities
  • Community Playground
  • Community Pool
  • Park

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,434

Year Built

Built in 2021

Lot Details

0

HOA Fees

$83 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 1504
  • Lot Size Acres: 0.15
  • New Construction: No
  • Year Built: 2021
  • Building Area Total: 6534
  • Lot Size Sq Ft: 6593
  • Directions to Property: 1. From Tampa, FL - Head toward I-275 North 2. Exit 285, head right on the ramp for FL-52 toward Dade City / San Antonio 3. Keep right, heading toward Dade City / Pasco - Hern State Col / Saint Leo Univ / SAN ANTONIO 4. Turn right onto Mirada Blvd 5. Turn right onto Setter Palm Rd 6. Turn left onto Penny Gale Loop 7. Arrive at 10864 Penny Gale Loop on the left side
  • Status: Sold
  • Ownership: Fee Simple
  • Available for Lease YN: 1
  • Escrow State: FL
  • List Office Head Office Key Nume: 696690022
  • Minimum Lease: 7 Months
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 216.09
  • Total Acreage: 0 to less than 1/4
  • Unit Number YN: 0
  • Water Access YN: 0
  • Amenities Additional Fees: Lagoon Fees $35
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: info@rogbeyond.com
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Open Floorplan, Walk-In Closet(s)
  • Appliances Included: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Ice Maker, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Yn: No
  • Street Number Modifier: 10864
  • Additional Rooms: Great Room
  • Living Area Meters: 139.73
  • Room Count: 8

Exterior Features

  • Direction Faces: West
  • Roof: Shingle
  • Home Warranty: Yes
  • Pool Private: No
  • Waterfront: No
  • Road Surface Type: Asphalt
  • Water Extras YN: 0
  • Water View: Pond
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Public, Underground Utilities
  • Cooling: Central Air
  • Heating: Central, Heat Pump
  • Laundry Features: Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Park, Playground, Pool
  • Association Amenities: Park, Playground, Pool, Recreation Facilities
  • Association Fee: 250
  • Association Fee Frequency: Quarterly
  • Association Name: Mirada Master Homeowners Association, Inc
  • Phone: 813-451-7427
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Per HOA Guidelines.
  • Association Fee Requirement: Required
  • Association Email: jatwell@artemilifestyle.com

Fee Information

  • Total Annual Fees: 1000.00
  • Total Monthly Fees: 83.33
  • Monthly HOA Amount: 83.33

Schools

  • Elementary School: San Antonio-PO
  • High School: Pasco High-PO
  • Middle Or Junior School: Pasco Middle-PO

Lot Info

  • Zoning: MPUD
  • Parcel Number: 15-25-20-0010-02200-0160
  • Additional Parcels: No
  • Lot Features: Paved
  • Property Attached Yn: No
  • Flood Zone Code: x
  • Homestead YN: 1
  • Lot Size Square Meters: 613

Green Features

  • Green Verification Count: 0

Building Info

  • Builder Name: D.R. Horton

Rental Info

  • Pets Allowed: Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Per HOA Guidelines.

Tax Info

  • Tax Annual Amount: 3434
  • Tax Block: 22
  • Tax Book Number: 79/60
  • Tax Lot: 16
  • Tax Other Annual Assessment Amount: 2282

Multi Family

  • Approval Process: Per HOA Guidelines.

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Nov 7, 2020
Closed on
May 25, 2021
Sold by
D R Horton Inc
Bought by
Christy Courtney Kay and Cushman Patrick Michael
Seller's Agent
Teddianne Sherman
Buyer's Agent
Heather Fitzpatrick
FITZ REAL ESTATE SERVICES
List Price
$256,215
Sold Price
$270,215
Premium/Discount to List
$14,000
5.46%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.29%
Original Mortgage
$265,320
Outstanding Balance
$241,103
Interest Rate
3%
Mortgage Type
FHA
Estimated Equity
$95,774
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Special Warranty Deed $270,215 Dhi Title Of Florida Inc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $265,320 FHA
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/02/2025 09/02/25 Sold $325,000 -4.4% $216 / Sq Ft
06/29/2025 06/29/25 Pending -- -- --
06/11/2025 06/11/25 Price Changed $340,000 -2.9% $226 / Sq Ft
05/13/2025 05/13/25 Price Changed $350,000 -4.1% $233 / Sq Ft
03/21/2025 03/21/25 Price Changed $365,000 -1.4% $243 / Sq Ft
02/27/2025 02/27/25 For Sale $370,000 +36.9% $246 / Sq Ft
05/25/2021 05/25/21 Sold $270,215 0.0% $180 / Sq Ft
02/06/2021 02/06/21 Pending -- -- --
02/01/2021 02/01/21 Price Changed $270,215 +1.1% $180 / Sq Ft
01/26/2021 01/26/21 Price Changed $267,215 +0.4% $178 / Sq Ft
01/19/2021 01/19/21 Price Changed $266,215 +2.7% $177 / Sq Ft
01/06/2021 01/06/21 Price Changed $259,215 +0.4% $172 / Sq Ft
12/17/2020 12/17/20 Price Changed $258,215 +0.4% $172 / Sq Ft
11/19/2020 11/19/20 Price Changed $257,215 +0.4% $171 / Sq Ft
11/07/2020 11/07/20 For Sale $256,215 -- $170 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,918 $243,350 -- --
2023 $5,722 $236,270 $0 $0
2022 $5,305 $229,394 $51,283 $178,111
2021 $2,769 $46,015 $0 $0
2020 $2,700 $46,015 $0 $0
2019 $207 $12,813 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8355243

Stellar MLS

APN: 15-25-20-0010-02200-0160