1209 E CUMBERLAND AVENUE UNIT 2902, TAMPA, FL, 33602
Active379 days on marketListed Jul 26, 2025MLS #TB8410508
About this home
1209 E CUMBERLAND AVENUE UNIT 2902
Welcome to a true work of art in the sky — a fully custom-designed penthouse located in the heart of Downtown Tampa. Originally purchased as a cement shell, this exceptional residence has been transformed into a highly developed showpiece with every detail curated for luxury and comfort. Step off your private elevator into a space filled with natural light, blonde hardwood floors, and soaring floor-to-ceiling windows that frame panoramic views of the city and beyond. The open-concept layout flows seamlessly between indoor and outdoor dining areas, ideal for entertaining or simply enjoying the Florida breeze. Every element of this home was thoughtfully crafted, from the rounded feature room that adds architectural flair to the custom wine storage and bright, cheerful living spaces. The sleek, modern kitchen and living area open onto generous balconies with captivating views—perfect for sunset cocktails or morning coffee. Located in the iconic Towers of Channelside, residents enjoy easy access to major highways, train and air travel, and are just a short drive from the Gulf beaches and Disney. Live steps from Tampa's Riverwalk, Amalie Arena, Sparkman Wharf, and Water Street. This is not just a home—it’s a statement.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
4,558
Sqft
0 ac
Lot size
2
Garage
2011
Year built
One
Levels
$965
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.
$33,844 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$33,844/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Tampa actives
$965 vs $301
Days on market
379 vs 42 typical
Where $965/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 Channel District
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Channel District — neighborhood snapshot
Population
4,558
Median age
36
Median income
$117,680
Median home value
$706,917
Avg household
2
Households w/ children
208
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 → $434K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
206 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 635% above the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1209 E CUMBERLAND AVENUE UNIT 2902
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,675,000
1209 E CUMBERLAND AVENUE UNIT 2703 · same community
3 bd · 3.5 ba · 2,786 sqft · $601/sqft · 53 DOM
Sold · Apr ’26$4,700,000
96 ADALIA AVENUE
4 bd · 4.5 ba · 4,546 sqft · $1,034/sqft · 100 DOM
Sold · Sep ’25$1,992,500
207 CHIPPEWA AVENUE
4 bd · 4.5 ba · 4,277 sqft · $466/sqft · 119 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 1209 E CUMBERLAND AVENUE UNIT 2902 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1209 E CUMBERLAND AVENUE UNIT 2902 — 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
1209 E CUMBERLAND AVENUE UNIT 2902 FAQs
What would the monthly payment be for 1209 E CUMBERLAND AVENUE UNIT 2902?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $33,844/mo — principal and interest, the actual property-tax bill, the $4,706/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 1209 E CUMBERLAND AVENUE UNIT 2902?+
The association fee works out to $4,706 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1209 E CUMBERLAND AVENUE UNIT 2902?+
The most recent tax bill on record (2025) was $43,026. 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 1209 E CUMBERLAND AVENUE UNIT 2902?+
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 Tampa?+
At $4,399,999, this home is listed about 878% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1209 E CUMBERLAND AVENUE UNIT 2902?+
Blake High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$4,399,999 runs 635% above the TAMPA 33602 median — but at 4,558 sqft it's also nearly 3 times the size of the typical Tampa listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $4,706/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
379 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $4,499,999, now $4,399,999 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE TONI EVERETT COMPANY · Toni Everett. MLS #TB8410508.
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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