9643 SUMMERS CAY CIRCLE, THONOTOSASSA, FL, 33592
Active46 days on marketListed Jun 9, 2026MLS #TB8517010
About this home
9643 SUMMERS CAY CIRCLE
Looking for a place to enjoy calm?? This unit sits Near Lake Thonotosassa, Hillsborough River State Park, and Flatwoods Wilderness Park for boating, fishing, biking, hiking, and outdoor recreation. Completely updated 3/2 unit in desirable summers cay!! Master bedroom has a walk-in closet and an en-suite bathroom with dual vanities. Located close to I-4 and I-75 * Close to the University of South Florida (USF), Moffitt Cancer Center, Advent Health Tampa, and VA Hospital, Amazon Fulfillment Centers, Seminole Hard Rock Hotel & Casino Tampa, restaurants, shopping, and entertainment. * Close to Tampa International Airport and easy access to Downtown Tampa, Brandon, and Wesley Chapel
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,844
Sqft
0.15 ac
Lot size
2
Garage
2022
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$179 /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
$179/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Thonotosassa actives
$1 vs $235
Days on market
46 vs 40 typical
Where $1/sqft sits among the 41 Thonotosassa 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 Thonotosassa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Thonotosassa. See the full Thonotosassa guide →
THONOTOSASSA 33592 — neighborhood snapshot
Population
11,931
Median age
42.5
Median income
$65,683
Median home value
$247,900
Avg household
2.78
Households w/ children
1,168
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Thonotosassa market
$425K → $474K
Thonotosassa median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
18 of 41
Thonotosassa actives have cut their price
Median sold price, Thonotosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the THONOTOSASSA 33592 median. See the full Thonotosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 9643 SUMMERS CAY CIRCLE
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$380,000
9512 SUMMERS CAY CIRCLE · same community
3 bd · 2 ba · 1,650 sqft · $230/sqft · 297 DOM
Sold · Nov ’25$450,000
9647 SUMMERS CAY CIRCLE · same community
3 bd · 2 ba · 2,150 sqft · $209/sqft · 135 DOM
Sold · Apr ’26$470,000
9586 SUMMERS CAY CIRCLE · same community
5 bd · 3 ba · 2,416 sqft · $195/sqft · 0 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 9643 SUMMERS CAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9643 SUMMERS CAY CIRCLE — 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
9643 SUMMERS CAY CIRCLE FAQs
What would the monthly payment be for 9643 SUMMERS CAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $179/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 9643 SUMMERS CAY CIRCLE?+
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 Thonotosassa?+
At $2,650, this home is listed about 99% below the Thonotosassa median of $513,290. The market section on this page shows how the area is trending.
Which schools are assigned to 9643 SUMMERS CAY CIRCLE?+
Folsom Elementary School (elementary), Jennings Middle School (middle), King 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.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Vs Sharan. MLS #TB8517010.
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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