12846 PAYTON STREET, ODESSA, FL, 33556
Active1 days on marketListed Aug 15, 2026MLS #W7888638
About this home
12846 PAYTON STREET
Virtually Staged. Welcome home to this beautifully appointed Pulte Arbordale Grand located in the highly sought-after community of Starkey Ranch! Offering over 2,800 heated square feet, this spacious two-story home features 4 bedrooms, 3 full bathrooms, a dedicated office, bonus room, and 2-car garage with a flexible layout perfect for everyday living. From the moment you arrive, you’ll love the charming curb appeal with stone and siding accents, paver walkway and inviting covered front porch. Inside, the open-concept floor plan is filled with natural light and features tall ceilings, 8-foot doors, upgraded lighting, tile throughout the main living areas, new luxury vinyl in the bedrooms and throughout the upstairs, and plenty of thoughtful details. The heart of the home is the spacious kitchen featuring 42-inch white cabinetry, granite countertops, stainless steel appliances, gas range, built-in microwave, large center island with seating, tile backsplash, under-cabinet lighting, and pantry. Just off the kitchen is a dedicated home office with built-in cabinetry and a custom frosted-glass partition — ideal for working from home. The first-floor primary suite offers plenty of privacy and features tall windows, dual sinks, granite countertops, custom cabinetry, a large walk-in closet, and an upgraded walk-in shower with bench. Two additional bedrooms and a full guest bathroom are also conveniently located on the first floor. Upstairs you’ll find a spacious bonus room, fourth bedroom with walk-in closet, and another full bathroom, creating a fantastic separate space for guests, a playroom, media room, or additional living area. Step outside to the screened-in lanai, perfect for enjoying Florida mornings and evenings year-round. Additional features include a tankless gas water heater, water softener, insulated garage door, UV lights in the HVAC system, outdoor gas connection for a grill, blinds, and more. Best of all, you’ll enjoy everything that makes Starkey Ranch one of the area’s most desirable communities — multiple community pools, playgrounds, dog parks, miles of walking and biking trails, parks, community events, and convenient access to the Starkey Ranch K-8 school, Publix, restaurants, shopping, and more. Beautiful home, incredible community, and plenty of space — this Starkey Ranch rental is ready to welcome its next residents!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,844
Sqft
0.14 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$191 /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
$191/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Odessa actives
$2 vs $273
Days on market
1 vs 51 typical
Where $2/sqft sits among the 195 Odessa 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 Starkey Ranch
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Odessa. See the full Odessa guide →
Starkey Ranch — neighborhood snapshot
Population
5,445
Median age
40
Median income
$127,978
Median home value
$488,100
Avg household
3
Households w/ children
764
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Odessa market
$725K → $698K
Odessa median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
116 of 195
Odessa actives have cut their price
Median sold price, Odessa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ODESSA 33556 median. See the full Odessa market guide →
Paper trail
This home's history
Reality check
What actually sold near 12846 PAYTON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$750,000
2516 WHITTLER BRANCH · same community
5 bd · 3.5 ba · 3,320 sqft · $226/sqft · 70 DOM
Sold · Jul ’26$1,269,000
12929 PAYTON STREET · same community
4 bd · 4 ba · 4,526 sqft · $280/sqft · 37 DOM
Sold · Feb ’26$795,000
1337 FISHING LAKE DRIVE
5 bd · 3 ba · 2,873 sqft · $277/sqft · 58 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
Grace Mathisen
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12846 PAYTON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12846 PAYTON STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Grace's phone and CRM.
Straight answers
12846 PAYTON STREET FAQs
What would the monthly payment be for 12846 PAYTON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $191/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 12846 PAYTON STREET?+
The listing reports pets: Number Limit, Pet Deposit, 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 Odessa?+
At $4,300, this home is listed about 99% below the Odessa median of $710,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12846 PAYTON STREET?+
Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ODESSA 33556 market on paper
$4,300 is 99% below the ODESSA 33556 median of $671,495, and at $2/sqft it sits under the Odessa average of $354.
02Fresh on the market
Only 1 day on market in a Odessa market that averages 51 — if it fits, move quickly.
03Strong assigned schools
Longleaf Elementary School, James W. Mitchell High School, Seven Springs Middle School — James W. Mitchell High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Angela Martin. MLS #W7888638.
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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