1108 N FRANKLIN STREET UNIT 605, TAMPA, FL, 33602
Active294 days on marketListed Oct 23, 2025MLS #TB8440716
About this home
1108 N FRANKLIN STREET UNIT 605
Welcome to The Residences of Franklin Street - considered one of the special gems of downtown Tampa. TTHIS UNIT HAS BEEN REFRESHED AND REPRICED! Experience contemporary urban living in this beautifully maintained residence with a thoughtful open floor plan and refined finishes throughout. Hardwood bamboo flooring flows through the main living areas, complemented by neutral tones and abundant natural light. The kitchen features granite counters, stainless steel appliances including a French door refrigerator, a Sub-Zero wine fridge with 78-bottle capacity, and a convenient breakfast bar—perfect for casual dining or entertaining. A sizeable foyer welcomes you into the home, where you will also find a tasteful powder room with a custom vanity and mosaic tile accent wall. The spacious living and dining areas open to a balcony with north and east views, creating an inviting space for gatherings. An office nook and in-unit laundry add to the home’s functionality. The owners’ suite provides a serene retreat with a private east-facing balcony, blackout window treatments, and an expansive walk-in closet. The primary bath features a marble double vanity, deep soaking tub, a walk-in shower tiled to the ceiling, and a separate WC. The large secondary bedroom offers an ensuite bath, linen closet, and balcony access. This gently lived-in home has been lovingly maintained by its original owners. Two premium parking spaces and a storage unit are included. Residents enjoy a newly renovated lobby, secure building access, and a full suite of amenities: an 8th-floor fitness center, rooftop pool and lounge area, and a welcoming community room with floor-to-ceiling windows and a full kitchen. Ideally located just a short distance from 3 Michelin-starred restaurants—Rocca, Ebbe, and Kosen—as well as the Arts District, Riverwalk, Straz Center, Tampa Museum of Art, Armature Works and so much more. LOW HOA FEES; IN FACT, THE MONTHLY FEE DECREASED FROM 2025! Convenient guest parking is available on Franklin St (15-minute limit) and a nearby loading zone on Royal St offers up to one hour of free parking.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,970
Sqft
0 ac
Lot size
2
Garage
2006
Year built
One
Levels
$330
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.
$5,596 /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
$5,596/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
$330 vs $299
Days on market
294 vs 43 typical
Where $330/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 33602 — neighborhood snapshot
Population
19,694
Median age
35.2
Median income
$88,569
Median home value
$560,400
Avg household
1.78
Households w/ children
1,289
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 → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
223 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 11% above the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1108 N FRANKLIN STREET UNIT 605
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$780,000
1108 N FRANKLIN STREET UNIT 305 · same community
2 bd · 2.5 ba · 1,970 sqft · $396/sqft · 0 DOM
Sold · Sep ’25$400,000
1108 N FRANKLIN STREET UNIT 502 · same community
1 bd · 1 ba · 1,045 sqft · $383/sqft · 48 DOM
Sold · Oct ’25$380,000
1108 N FRANKLIN STREET UNIT 602 · same community
1 bd · 1 ba · 1,045 sqft · $364/sqft · 95 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 1108 N FRANKLIN STREET UNIT 605 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1108 N FRANKLIN STREET UNIT 605 — 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
1108 N FRANKLIN STREET UNIT 605 FAQs
What would the monthly payment be for 1108 N FRANKLIN STREET UNIT 605?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,596/mo — principal and interest, the actual property-tax bill, the $1,104/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 1108 N FRANKLIN STREET UNIT 605?+
The association fee works out to $1,104 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1108 N FRANKLIN STREET UNIT 605?+
The most recent tax bill on record (2024) was $6,979. 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 1108 N FRANKLIN STREET UNIT 605?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $649,900, this home is listed about 44% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1108 N FRANKLIN STREET UNIT 605?+
Gorrie Elementary School (elementary), Wilson Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Plant High School (high) — 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
$649,900 runs 11% above the TAMPA 33602 median — but at 1,970 sqft it's also 24% larger than the typical Tampa listing.
02Know the monthly fee
The association fee is $1,104/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
294 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Gorrie Elementary School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School, Plant High School — Gorrie Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $725,000, now $649,900 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Gail Bernucca. MLS #TB8440716.
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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