10951 PENNY GALE LOOP, SAN ANTONIO, FL, 33576
Active255 days on marketListed Nov 18, 2025MLS #TB8446695
About this home
10951 PENNY GALE LOOP
Back on the market due to buyer's financing at no fault of the seller or property. Property appraised above price, confirming strong value. Don’t miss this opportunity; schedule your showing today. Live the lagoon lifestyle today. This is your chance to live every day like you are on vacation within the Mirada Lagoon, a place where crystal-clear waters, cabanas, kayaking and resort-style relaxation are just minutes from your doorstep. Residents enjoy a true Florida lifestyle with golf cart paths, community events and access to an ever-growing mix of shops and dining nearby, and this is your ticket to living there. This four-bedroom, 2.5-bath, two-car garage home offers a warm welcome with sidewalk-lined streets, a modern paint palette, mature landscaping and a covered entryway. Inside, the open-concept first floor is designed for entertaining and comfortable living. The spacious living room flows effortlessly into the dining area and kitchen, with tile flooring underfoot, updated lighting overhead and sunlight streaming in through sliding glass doors that open to an expansive patio, perfect for gatherings or quiet evenings outdoors. The kitchen features granite countertops, a central island with breakfast bar seating, a sleek four-piece stainless steel appliance package and the convenience of three separate storage closets, ideal for keeping everything organized and out of sight. A well-placed half bath completes the main level. Upstairs, you’ll find all four bedrooms and two full baths, along with a charming laundry room complete with cabinetry and shelving. The primary suite is a peaceful retreat with a large walk-in closet and an ensuite bath offering dual sinks and a walk-in shower. The additional bedrooms are generously sized, with one offering its own walk-in closet. Outside, unwind in the fully fenced backyard with a tranquil view and plenty of space to entertain on the large open patio. From relaxed evenings under the stars to weekends at the Lagoon, this home offers a lifestyle that truly captures the essence of Florida living. Call us today to learn more about this enticing opportunity and the Mirada Lagoon!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,007
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$159
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,927 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,927/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.7%
$/sqft vs San Antonio actives
$159 vs $200
Days on market
255 vs 57 typical
Where $159/sqft sits among the 148 San Antonio actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside San Antonio
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know San Antonio. See the full San Antonio guide →
SAN ANTONIO 33576 — neighborhood snapshot
Population
6,415
Median age
61.1
Median income
$77,950
Median home value
$330,500
Avg household
2.21
Households w/ children
337
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The San Antonio market
$360K → $352K
San Antonio median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
89 of 148
San Antonio actives have cut their price
Median sold price, San Antonio, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the SAN ANTONIO 33576 median. See the full San Antonio market guide →
Paper trail
This home's history
Reality check
What actually sold near 10951 PENNY GALE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$300,000
10885 PENNY GALE LOOP · same community
4 bd · 2.5 ba · 2,260 sqft · $133/sqft · 80 DOM
Sold · Sep ’25$464,990
9989 SURREY ROSE DRIVE
4 bd · 3 ba · 1,985 sqft · $234/sqft · 5 DOM
Sold · Jun ’26$450,000
32003 CONCHSHELL SAIL STREET
4 bd · 2.5 ba · 2,037 sqft · $221/sqft · 37 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10951 PENNY GALE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10951 PENNY GALE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
10951 PENNY GALE LOOP FAQs
What would the monthly payment be for 10951 PENNY GALE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,927/mo — principal and interest, the actual property-tax bill, the $83/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10951 PENNY GALE LOOP?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10951 PENNY GALE LOOP?+
The most recent tax bill on record (2024) was $7,900. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10951 PENNY GALE LOOP?+
The listing reports pets: Number Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in San Antonio?+
At $320,000, this home is listed about 8% below the San Antonio median of $347,925. The market section on this page shows how the area is trending.
Which schools are assigned to 10951 PENNY GALE LOOP?+
San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Lucy Zavarce Silva. MLS #TB8446695.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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