5105 N 45TH STREET, TAMPA, FL, 33610
Active62 days on marketListed Jun 8, 2026MLS #TB8514325
About this home
5105 N 45TH STREET
Rare opportunity to acquire 2.23 acres in a rapidly growing area of Tampa. Located at 5105 N 45th Street, this RS-50 zoned property offers exceptional redevelopment and investment potential while generating immediate utility from the existing improvements. The property currently features a spacious 3,492-square-foot main residence built in 2005, offering 3 bedrooms and 2.5 bathrooms, as well as a separate 352-square-foot guest house built in 2007 with 2 bedrooms and 1 bathroom. Whether utilized as a primary residence, rental income opportunity, or interim holding asset, the existing structures provide flexibility while planning future development. With over two acres of land in a desirable Tampa location, this property presents a unique opportunity for builders, developers, investors, or end users seeking to capitalize on the area's continued growth. The RS-50 zoning and substantial land area create potential for subdivision, redevelopment, or other residential development opportunities, subject to county approvals and due diligence. Conveniently located near major roadways, employment centers, shopping, dining, and downtown Tampa, opportunities of this size and scale are becoming increasingly scarce. Explore the possibilities and unlock the full potential of this exceptional development site. Buyer to verify all zoning, land use, development potential, and subdivision possibilities with Hillsborough County.
Facts & features
The home at a glance
2.23 ac
Lot size
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.
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)
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 · Jan ’26$220,000
3416 N GARRISON STREET
2 bd · 1 ba · 644 sqft · $342/sqft · 22 DOM
Sold · Apr ’26$187,500
3415 N 51ST STREET
3 bd · 2 ba · 760 sqft · $247/sqft · 282 DOM
Sold · Aug ’25$225,000
3714 N GARRISON STREET
2 bd · 1 ba · 768 sqft · $293/sqft · 5 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Audra Donaldson. MLS #TB8514325.
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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