8405 COSTA BELLA WAY, TEMPLE TERRACE, FL, 33637
Active403 days on marketListed Jun 26, 2025MLS #TB8400135
About this home
8405 COSTA BELLA WAY
Short Sale. SHORT SALE - Location, location, location! This beautifully maintained 3-bedroom, 2.5-bath townhome with a 2-car garage is perfectly situated near I-75 and USF in the quiet, waterfront community of Marbella. Enjoy modern finishes throughout, including granite countertops, oak cabinetry, hardwood flooring. The open floor plan features high ceilings, a spacious eat-in kitchen with bar seating, and a guest half-bath conveniently located downstairs. Each bedroom includes a walk-in closet, and the expansive master suite offers a double vanity, upgraded walk-in shower, and access to a private balcony overlooking a wooded preserve. The second guest bedroom is oversized with tons of natural light, and the upstairs laundry room is just steps from all three bedrooms. This unit is located just steps from the community pool and cabana, with access to scenic walking trails, river frontage, a large dock, and paddleboard/kayak launch into the Hillsborough River. Bring all offers, bank needs to approve price.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,861
Sqft
0.05 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$167
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.
$2,880 /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
$2,880/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
+6.3%
$/sqft vs Temple Terrace actives
$167 vs $214
Days on market
403 vs 55 typical
Where $167/sqft sits among the 59 Temple Terrace 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.
The investor lens
Two ways this home pays
This home sits inside Marbella, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$36,245/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,995/mo median
Live Temple Terrace rental listing data — this home’s rate depends on size, condition and furnishing.
The Temple Terrace short-term market
▼ Softening41%
Occupancy
▼ 16% yr/yr
$243
Avg nightly rate
▲ 4% yr/yr
$24K/yr
Revenue per listing
$109
RevPAR
34 days
Booking lead time
5.1 nights
Avg stay
4
Typical min nights
93
Active rentals
▼ 12% supply
Seasonality — monthly occupancy
Peaks at 52% in Feb · bottoms at 31% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Temple Terrace — the projection above is specific to this home’s size.
Where it sits
Inside Marbella
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Marbella is a short-term-rental community. See the full guide →
The numbers that matter
The Temple Terrace market
$353K → $418K
Temple Terrace median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
32 of 59
Temple Terrace actives have cut their price
Median sold price, Temple Terrace, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the Temple Terrace median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 8405 COSTA BELLA WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$299,000
8623 ANDALUCIA FIELD DRIVE · same community
3 bd · 2.5 ba · 1,897 sqft · $158/sqft · 113 DOM
Sold · Jun ’26$305,000
8505 ANDALUCIA FIELD DRIVE · same community
3 bd · 2.5 ba · 1,897 sqft · $161/sqft · 33 DOM
Sold · Jan ’26$318,500
8632 MIRAMAR TERRACE CIRCLE · same community
3 bd · 2.5 ba · 2,044 sqft · $156/sqft · 47 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8405 COSTA BELLA WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8405 COSTA BELLA WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
8405 COSTA BELLA WAY FAQs
What would the monthly payment be for 8405 COSTA BELLA WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,880/mo — principal and interest, the actual property-tax bill, the $350/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 8405 COSTA BELLA WAY?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8405 COSTA BELLA WAY?+
The most recent tax bill on record (2024) was $4,896. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 8405 COSTA BELLA WAY be rented short-term?+
Yes — this home sits inside Marbella, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 8405 COSTA BELLA WAY?+
The listing reports pets: Breed Restrictions. 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 Temple Terrace?+
At $310,000, this home is listed about 26% below the Temple Terrace median of $420,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Temple Terrace market on paper
$310,000 is 26% below the Temple Terrace median of $420,000, and at $167/sqft it sits under the Temple Terrace average of $207.
02Zoned for nightly rentals
Marbella is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
403 days on market against a Temple Terrace median of 55 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of ALIGN RIGHT REALTY CARROLLWOOD · Brenda Kennedy. MLS #TB8400135.
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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