5105 N 45TH STREET, TAMPA, FL, 33610
Active62 days on marketListed Jun 8, 2026MLS #TB8514120
About this home
5105 N 45TH STREET
Welcome to a truly rare opportunity offering endless possibilities on a sprawling 2.23-acre homesite tucked away on a peaceful dead-end road. This meticulously maintained property features a spacious 3,844-square-foot main residence with 5 bedrooms, 3 full bathrooms, and 2 half bathrooms, providing plenty of room for family, guests, hobbies, and entertaining. Adding even more value and flexibility, the property includes a detached mother-in-law suite and a separate detached garage, creating the ideal setup for multigenerational living, guest accommodations, home-based businesses, workshops, or additional storage. Nature lovers will appreciate the privacy, mature surroundings, and wide-open space this exceptional property provides. Whether you dream of creating lush gardens, adding recreational amenities, storing boats, RVs, and toys, or simply enjoying the serenity of acreage living, this property offers the freedom to bring your vision to life. For investors, builders, and developers, the opportunities are equally compelling. With approximately 2.23 acres of land, this property presents significant redevelopment potential, making it an attractive option for a future family compound, luxury estate, custom home community, or other development opportunities. Whether you choose to preserve the existing improvements or reimagine the site entirely, the possibilities are truly endless! Properties offering this combination of acreage, privacy, existing improvements, and future potential are increasingly difficult to find. Don't miss your chance to secure one of the area's most versatile and opportunity-filled properties! Schedule a showing today!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,844
Sqft
2.23 ac
Lot size
2
Garage
1986
Year built
One
Levels
$186
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.
$5,197 /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
$5,197/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
$186 vs $301
Days on market
62 vs 42 typical
Where $186/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 East Tampa Business & Civic
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
East Tampa Business & Civic — neighborhood snapshot
Population
6,168
Median age
36
Median income
$48,663
Median home value
$190,062
Avg household
3
Households w/ children
759
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 → $439K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
205 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 124% above the TAMPA 33610 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 5105 N 45TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$435,000
3215 E POWHATAN AVENUE
4 bd · 3 ba · 2,360 sqft · $184/sqft · 71 DOM
Sold · Jul ’26$280,000
6602 N 31ST STREET
5 bd · 3 ba · 2,242 sqft · $125/sqft · 0 DOM
Sold · Dec ’25$390,000
3103 E CAYUGA STREET
4 bd · 2.5 ba · 2,072 sqft · $188/sqft · 14 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 5105 N 45TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5105 N 45TH 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
5105 N 45TH STREET FAQs
What would the monthly payment be for 5105 N 45TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,197/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 5105 N 45TH STREET?+
The most recent tax bill on record (2025) was $10,934. 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 Tampa?+
At $715,000, this home is listed about 59% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5105 N 45TH STREET?+
Middleton High School (high), Potter Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$715,000 runs 124% above the TAMPA 33610 median — but at 3,844 sqft it's also nearly 2 times the size of the typical Tampa listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $725,000, now $715,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Audra Donaldson. MLS #TB8514120.
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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