
9901 BAY DRIVE, GIBSONTON, FL, 33534
Active129 days on marketListed Mar 17, 2026MLS #TB8484022
About this home
9901 BAY DRIVE
Welcome to a spectacular waterfront retreat on the Alafia River, where privacy, breathtaking views, and exceptional boating access come together to create the ultimate Florida lifestyle. Enter through your private gated entrance and discover a serene riverfront property perfectly positioned on the wide section of the Alafia River between Hwy 41 and I-75, offering sweeping water views and direct access to adventure. This 4-bedroom, 3-bathroom home is thoughtfully designed to capture the beauty of the river from nearly every space. The home features two levels of living, with the lower level constructed of solid concrete block and the upper level crafted in cedar, blending durability with timeless character. Enjoy sunrise and sunset views from two expansive 40x13 screened porches, or unwind from the covered dock and extended open fishing and sun deck overlooking the water. Inside, the open floor plan is highlighted by a dramatic cathedral ceiling in the great room and a stunning stone fireplace, creating a warm and inviting gathering space. The chef inspired kitchen is designed for both entertaining and everyday living, showcasing granite countertops, new cabinetry, a large center island, tile backsplash, and quality stainless-steel appliances. French doors lead directly to the screened porch, making indoor-outdoor living effortless. The owner’s suite is a true sanctuary, offering peaceful river views. Featuring a huge walk-in closet with built in shelving, a window overlooking the water and a spacious en-suite complete with a water closet, dual granite vanities, a Jacuzzi soaking tub and a large ‘custom tiled’ walk-in shower. The oversized laundry room adds both function and convenience, featuring abundant cabinet storage and a granite countertop workspace, making everyday tasks easy and organized. Two additional bedrooms are thoughtfully positioned for privacy. The lower level features beautiful Saltillo tile flooring, a large family room opening to another screened porch, and a private guest suite with an adjoining spacious room and nearby full bath, making it perfect for visitors, extended family, or flexible living space. Adding tremendous value, the entire downstairs HVAC system was completely replaced in June 2026!! Step outside to your private waterfront playground. The covered dock with electric boat lift and additional swim deck are ideal for launching kayaks and paddleboards or heading out for a boat ride to Tampa Bay and waterfront restaurants. Spend your days fishing, crabbing, or watching dolphins, manatees, and abundant birdlife right from your backyard. Additional features include gas cooking, smart light switches, double-hung hurricane windows and doors, whole-house water filtration system, tankless gas water heater, dual AC units, LED lighting throughout, 2-inch wood blinds, and generous storage including an air-conditioned storage room. Conveniently located, you are 10 minutes by boat to Tampa Bay and about 20 minutes to the Sunshine Skyway. By car, you are about 30 minutes to Tampa International Airport, and about 45 minutes to the beautiful Sarasota and Bradenton beaches via I-75. Situated on a spacious corner lot with room for boats, kayaks, paddleboards, and RV parking, this extraordinary Alafia River waterfront gem offers the perfect balance of luxury, recreation, and tranquility—a rare opportunity to experience the very best of Florida riverfront living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,460
Sqft
0.18 ac
Lot size
2
Garage
1983
Year built
Two
Levels
$263
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.
$6,196 /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
$6,196/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.
vs edgeAI estimate
+18.8%
$/sqft vs Gibsonton actives
$263 vs $177
Days on market
129 vs 27 typical
Where $263/sqft sits among the 46 Gibsonton 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 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)
19 of 46
Gibsonton actives have cut their price
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 189% above the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 9901 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 · Dec ’25$559,900
9923 BAY DRIVE · same community
4 bd · 2 ba · 1,784 sqft · $314/sqft · 41 DOM
Sold · Oct ’25$299,000
9931 BAY DRIVE · same community
3 bd · 2 ba · 1,664 sqft · $180/sqft · 24 DOM
Sold · Jul ’25$427,500
9929 BAY DRIVE · same community
3 bd · 2 ba · 1,176 sqft · $364/sqft · 32 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 9901 BAY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9901 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
9901 BAY DRIVE FAQs
What would the monthly payment be for 9901 BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,196/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 9901 BAY DRIVE?+
The most recent tax bill on record (2025) was $9,418. 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 $910,000, this home is listed about 170% above the Gibsonton median of $337,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9901 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
01Positioned at the premium end
$910,000 runs 189% above the GIBSONTON 33534 median — but at 3,460 sqft it's also nearly twice the size of the typical Gibsonton listing.
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
129 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 $960,000, now $910,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Brandon Rimes. MLS #TB8484022.
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.
Never miss a listing
New Gibsonton homes, in your inbox
Like 9901 BAY DRIVE but not quite? A daily digest of every new listing in Gibsonton — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


