5409 SWEETWATER TERRACE CIRCLE, TAMPA, FL, 33634
Active58 days on marketListed Jun 16, 2026MLS #TB8517276
About this home
5409 SWEETWATER TERRACE CIRCLE
Back on Market! Welcome to low maintenance living in an unbeatable location! This beautifully updated 3 bedroom, 2 bathroom townhome with a 2 car garage offers a spacious and versatile floor plan designed for both comfort and style. Inside to find luxury vinyl flooring, soaring ceilings, and abundant natural light throughout. The recently remodeled kitchen is the heart of the home, featuring newer cabinetry, quartz countertops, a large center island, garden window, and a spacious eat in dining area perfect for everyday living and entertaining. The second floor showcases an open concept living area with direct access to a private balcony overlooking the community pool and park area, creating the perfect spot to enjoy your morning coffee or unwind after a long day. A full bathroom on the second floor adds convenience for guests. The flexible floor plan includes a private bedroom on the first floor, ideal for guests, a home office, or multigenerational living. The third floor features two additional bedrooms, including a spacious primary suite with a walk in closet and direct access to the updated bathroom. Both full bathrooms have been recently remodeled with modern finishes. Additional highlights include a newer AC system, updated finishes throughout, and a highly desirable location minutes from the golf course, shopping, dining, entertainment, major roadways, the airport, and everyday conveniences. This move in ready townhome combines modern updates, functional living space, and a prime location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,408
Sqft
0.02 ac
Lot size
2
Garage
1984
Year built
Three Or More
Levels
$135
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.
$2,299 /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
$2,299/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.
vs edgeAI estimate
−42.7%
$/sqft vs Tampa actives
$135 vs $299
Days on market
58 vs 43 typical
Where $135/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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33634 — neighborhood snapshot
Population
21,643
Median age
38.9
Median income
$69,185
Median home value
$310,900
Avg household
2.82
Households w/ children
2,669
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)
221 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 53% below the TAMPA 33634 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 5409 SWEETWATER TERRACE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$145,000
5407 SWEETWATER TERRACE CIRCLE UNIT 5407 · same community
2 bd · 2.5 ba · 1,408 sqft · $103/sqft · 172 DOM
Sold · Sep ’25$160,000
5401 SWEETWATER TERRACE CIRCLE UNIT 5401 · same community
2 bd · 2 ba · 1,408 sqft · $114/sqft · 19 DOM
Sold · Oct ’25$360,000
3930 E EDEN ROC CIRCLE
3 bd · 2 ba · 1,419 sqft · $254/sqft · 7 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 5409 SWEETWATER TERRACE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5409 SWEETWATER TERRACE 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
5409 SWEETWATER TERRACE CIRCLE FAQs
What would the monthly payment be for 5409 SWEETWATER TERRACE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,299/mo — principal and interest, the actual property-tax bill, the $703/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 5409 SWEETWATER TERRACE CIRCLE?+
The association fee works out to $703 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5409 SWEETWATER TERRACE CIRCLE?+
The most recent tax bill on record (2025) was $2,812. 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 5409 SWEETWATER TERRACE CIRCLE?+
The listing reports pets: Yes. 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 $189,900, this home is listed about 58% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5409 SWEETWATER TERRACE CIRCLE?+
Morgan Woods Elementary School (elementary), Webb Middle School (middle), Leto 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
01Under the TAMPA 33634 market on paper
$189,900 is 53% below the TAMPA 33634 median of $399,999, and at $135/sqft it sits under the Tampa average of $344.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $703/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $199,900, now $189,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 1 STEP AHEAD REALTY GROUP LLC · Joshua Toledo. MLS #TB8517276.
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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