9919 BAY DRIVE, GIBSONTON, FL, 33534
Active283 days on marketListed Oct 15, 2025MLS #TB8438122
About this home
9919 BAY DRIVE
Welcome to your future waterfront haven on Bay Drive. This 0.22-acre canal-front lot offers direct access to the Alafia River and Tampa Bay, perfect for boating, dock construction (subject to permitting), or simply soaking in serene water views. This lot has 87.9 ft of seawall waterfrontage. The lot is zoned for single-family use (RSC-6). NO HOA/NO CDD. Concrete block on property is available for purchase as a separate transaction. Current owner has completed the Soil Test and started to prep the site for construction. Owner also has the completed architectural drawings and construction plans for a Custom Built Home which is also available as a separate transaction. Ready for you to step in and complete your dream home! Minutes to shops, dining, and quick access to major roads, this is where convenience meets tranquility. Your dream home begins here.
Facts & features
The home at a glance
0.22 ac
Lot size
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.
$1,817 /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
$1,817/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.
Where it sits
Inside Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $375K
Gibsonton median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 9919 BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$427,500
9929 BAY DRIVE · same community
3 bd · 2 ba · 1,176 sqft · $364/sqft · 32 DOM
Sold · Oct ’25$299,000
9931 BAY DRIVE · same community
3 bd · 2 ba · 1,664 sqft · $180/sqft · 24 DOM
Sold · Dec ’25$559,900
9923 BAY DRIVE · same community
4 bd · 2 ba · 1,784 sqft · $314/sqft · 41 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 9919 BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9919 BAY DRIVE — 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
9919 BAY DRIVE FAQs
What would the monthly payment be for 9919 BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,817/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 9919 BAY DRIVE?+
The most recent tax bill on record (2024) was $2,459. 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 Gibsonton?+
At $229,500, this home is listed about 32% below the Gibsonton median of $337,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9919 BAY DRIVE?+
Corr Elementary School (elementary), East Bay High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the GIBSONTON 33534 market on paper
$229,500 is 27% below the GIBSONTON 33534 median of $315,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
283 days on market against a Gibsonton median of 27 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $230,000, now $229,500 — a $500 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CIRCINUS REALTY · Vanessa Maresca-Cruz. MLS #TB8438122.
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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