12604 RAIN FOREST STREET, TEMPLE TERRACE, FL, 33617
Active179 days on marketListed Feb 6, 2026MLS #TB8472299
About this home
12604 RAIN FOREST STREET
Welcome to this beautifully maintained 4-bedroom, 2½-bath pool home with 2- car garage and no HOA or CDD, located in desirable Temple Terrace. Roof replacement in 2024, this home offers the perfect blend of comfort, convenience, and classic Florida living. Inside, enjoy a warm and inviting living space highlighted by an indoor fireplace, perfect for cozy evenings and added character. The spacious floor plan features well-sized bedrooms and abundant natural light throughout. Step outside to your private, fully fenced backyard oasis complete with a screened-in patio, sparkling pool, and relaxing spa, recently resurfaced with new tile-this space is ideal for entertaining and year-round enjoyment. Ideally situated just minutes from USF and Moffitt Cancer Center, approximately 2.5 miles from Downtown Tampa, and only 11 miles to Tampa International Airport, this location offers exceptional accessibility. Quick access to Interstates 275 and 75 makes commuting and travel effortless. Close to a wide variety of restaurants, local cafes and shopping, as well as cultural attractions, amusement parks and the vibrant nightlife of downtown Tampa. A rare opportunity to own a no-HOA, fenced pool home in a prime location-schedule your showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,245
Sqft
0.18 ac
Lot size
2
Garage
1985
Year built
One
Levels
$243
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.
$3,813 /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
$3,813/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
+2.2%
$/sqft vs Temple Terrace actives
$243 vs $209
Days on market
179 vs 47 typical
Where $243/sqft sits among the 61 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.
Where it sits
Inside Temple Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Temple Terrace. See the full Temple Terrace guide →
The numbers that matter
The Temple Terrace market
$315K → $450K
Temple Terrace median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
32 of 61
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 44% above the Temple Terrace median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 12604 RAIN FOREST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$488,735
6107 OAK FERN COURT · same community
4 bd · 2.5 ba · 2,197 sqft · $222/sqft · 17 DOM
Sold · Dec ’25$450,000
6011 SOARING AVENUE · same community
4 bd · 2 ba · 2,303 sqft · $195/sqft · 3 DOM
Sold · Jan ’26$575,000
6106 RAIN BRIAR COURT · same community
5 bd · 3.5 ba · 2,434 sqft · $236/sqft · 125 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 12604 RAIN FOREST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12604 RAIN FOREST STREET — 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
12604 RAIN FOREST STREET FAQs
What would the monthly payment be for 12604 RAIN FOREST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,813/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 12604 RAIN FOREST STREET?+
The most recent tax bill on record (2024) was $2,442. 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 12604 RAIN FOREST STREET?+
The listing reports pets: Yes. 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 $545,000, this home is listed about 44% above the Temple Terrace median of $379,500. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$545,000 runs 44% above the Temple Terrace median — but at 2,245 sqft it's also 40% larger than the typical Temple Terrace listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
179 days on market against a Temple Terrace median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $550,000, now $545,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Richard Boswell. MLS #TB8472299.
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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