4851 W GANDY BOULEVARD UNIT 23C, TAMPA, FL, 33611
Active117 days on marketListed Apr 11, 2026MLS #TB8490014
About this home
4851 W GANDY BOULEVARD UNIT 23C
Rare opportunity to own a waterfront home in gated Regency Cove with a truly special setting. This 2 bedroom, 2 bathroom residence is ideally positioned on the west side of the community, offering open views, added privacy, and a unique perspective rarely found within the neighborhood. Enjoy peaceful water views from your elevated Trex deck or relax in the ground-level screened porch with vinyl windows and easy-to-maintain flooring. With no current development across the canal and a wide-open view toward Tampa Bay to your left, this location delivers a sense of space and tranquility that stands apart. Inside, the home features an updated kitchen and bathrooms with wood cabinetry and granite countertops, along with an open and comfortable layout. Improvements completed include a new vapor barrier, updated exterior HVAC ductwork, cleaned and sanitized interior ducts, and replaced tie-downs, providing added confidence in the home’s condition. Additional features include a 2021 HVAC system, tankless water heater, observation dock, and two kayaks that convey with the sale. The subfloor was reinforced and repaired where needed during flooring updates. Located in a waterfront cooperative community, this property offers a low-maintenance lifestyle with access to community amenities, including a heated pool, clubhouse, and available boat slips (waitlist may apply). This is a rare chance to enjoy waterfront living with privacy, views, and thoughtful updates in one of Tampa’s most desirable locations near the Gandy Bridge.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,352
Sqft
0.05 ac
Lot size
1974
Year built
One
Levels
$259
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.
$2,932 /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
$2,932/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.
$/sqft vs Tampa actives
$259 vs $302
Days on market
117 vs 41 typical
Where $259/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 Bayside West
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Bayside West — neighborhood snapshot
Population
5,304
Median age
43
Median income
$65,981
Median home value
$354,498
Avg household
1
Households w/ children
409
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)
193 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 15% below the TAMPA 33611 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4851 W GANDY BOULEVARD UNIT 23C
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$125,000
4851 W GANDY BOULEVARD UNIT B3L22 · same community
2 bd · 2 ba · 1,277 sqft · $98/sqft · 41 DOM
Sold · Jun ’26$250,000
4851 W GANDY BOULEVARD UNIT 5PA · same community
2 bd · 2 ba · 1,623 sqft · $154/sqft · 554 DOM
Sold · Nov ’25$132,000
4851 W GANDY BOULEVARD UNIT B7L23 · same community
1 bd · 1.5 ba · 1,010 sqft · $131/sqft · 151 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 4851 W GANDY BOULEVARD UNIT 23C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4851 W GANDY BOULEVARD UNIT 23C — 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
4851 W GANDY BOULEVARD UNIT 23C FAQs
What would the monthly payment be for 4851 W GANDY BOULEVARD UNIT 23C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,932/mo — principal and interest, the actual property-tax bill, the $457/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 4851 W GANDY BOULEVARD UNIT 23C?+
The association fee works out to $457 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4851 W GANDY BOULEVARD UNIT 23C?+
The most recent tax bill on record (2025) was $1,203. 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 4851 W GANDY BOULEVARD UNIT 23C?+
The listing reports pets: No. 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 $350,000, this home is listed about 22% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4851 W GANDY BOULEVARD UNIT 23C?+
Madison Middle School (middle), Anderson Elementary School (elementary), Robinson 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
Five things that matter here
01Under the TAMPA 33611 market on paper
$350,000 is 15% below the TAMPA 33611 median of $410,000, and at $259/sqft it sits under the Tampa average of $345.
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
117 days on market against a Tampa median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Madison Middle School, Anderson Elementary School, Robinson High School, Patricia Sullivan Metropolitan Ministries Partnership School — Robinson High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $379,900, now $350,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Toni Benton. MLS #TB8490014.
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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