3605 W FLORA STREET, TAMPA, FL, 33614
Active285 days on marketListed Oct 31, 2025MLS #TB8443485
About this home
3605 W FLORA STREET
BACK ON MARKET after buyer financing fell through. Situated on a DOUBLE-LOT totaling 0.26 acres, this versatile property offers multiple living spaces, endless potential, and room to grow. The main home features 3 bedrooms and 1 bathroom, including a bonus room with private entrance -- ideal for a home office, guest suite, or creative studio. Recent interior paint and door trim updates give the space a fresh, turnkey feel. An additional 1 bedroom, 1 bathroom attached apartment provides outstanding flexibility. Whether you’re looking for rental income, multigenerational living, or a private guest retreat, this added space opens the door to many possibilities. Outside, the oversized double lot offers opportunities that are increasingly hard to find in this area—space for a garden, expansion, or storage for recreational toys. There are two freestanding gazebos in the back yard, one for each living unit. Built in 1963, the home blends original charm with modern functionality and sits close to major conveniences: shopping, dining, Midtown, Tampa International Airport, Raymond James Stadium, and more. Whether you’re an owner-occupant, investor, or someone seeking flexible living in a prime location, 3605 W Flora St delivers size, location, and value that you won’t want to miss.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,962
Sqft
0.26 ac
Lot size
1963
Year built
One
Levels
$240
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 — not generic estimates.
$3,536 /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
$3,536/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
−3.4%
$/sqft vs Tampa actives
$240 vs $299
Days on market
285 vs 44 typical
Where $240/sqft sits among the 400 Tampa 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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33614 — neighborhood snapshot
Population
46,218
Median age
40
Median income
$51,143
Median home value
$295,700
Avg household
2.52
Households w/ children
4,623
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $435K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
217 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 141% above the TAMPA 33614 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3605 W FLORA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$390,000
3104 W POWHATAN AVENUE
3 bd · 2 ba · 1,919 sqft · $203/sqft · 62 DOM
Sold · Apr ’26$499,000
4503 W CLIFTON STREET
4 bd · 3 ba · 1,887 sqft · $264/sqft · 16 DOM
Sold · May ’26$391,500
2912 W FRIERSON AVENUE W
3 bd · 3 ba · 2,070 sqft · $189/sqft · 261 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3605 W FLORA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3605 W FLORA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3605 W FLORA STREET FAQs
What would the monthly payment be for 3605 W FLORA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,536/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3605 W FLORA STREET?+
The most recent tax bill on record (2024) was $4,819. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tampa?+
At $470,000, this home is listed about 4% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3605 W FLORA STREET?+
Crestwood Elementary School (elementary), Leto High School (high), Pierce Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$470,000 runs 141% above the TAMPA 33614 median — but at 1,962 sqft it's also 24% larger than the typical Tampa listing.
02Time on market is leverage
285 days on market against a Tampa median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $525,000, now $470,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Adam Faucett. MLS #TB8443485.
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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