David Ramirez
$109,9002 bd1 ba660 sqft$167 /sqft$1,346 /mo all-in ↓

4851 W GANDY BOULEVARD UNIT B9L36, TAMPA, FL, 33611

Active50 days on marketListed Jun 17, 2026MLS #TB8520332

Priced 73% below the TAMPA 33611 medianFully furnishedMobile HomeREGENCY COVE A COOPERATIVE

About this home

4851 W GANDY BOULEVARD UNIT B9L36

Welcome to your low-maintenance coastal oasis in the highly desirable 55+ community of The Homes of Regency Cove, a South Tampa Gated Waterfront Community on the Shores of Tampa Bay. This golf cart friendly resort style park has lots of amenities including: Heated Swimming Pool and Spa, Clubhouse with fitness center and pool tables, Social Hall for daily activities and dinners, Shuffleboard Courts, Bocce Ball Courts, Barbeque Grills, Covered Pavilions for Outdoor parties and events, Fire Pit with large seating area, Fishing dock and cleaning station, boat slips, RV and boat trailer parking area, and a kayak launch. Enjoy long walks on the stunning waterfront sidewalks with views of Tampa Bay and beautiful sunsets. This home served as a private guest house with charming beach-like décor. The 2-bedroom, 1-bathroom home has been lightly used and meticulously maintained. Protect your vehicle from the Florida sun under the brand-new carport before stepping inside to experience a brand-new, ultra-efficient Gree Dual-Zone Mini-Split AC system installed in March (with transferable manufacturer parts warranty). Located in a secure South Tampa enclave, Regency Cove offers the ultimate resort lifestyle where you can relax in the community pool and hot tub or enjoy the outdoors under the many oversized pavilions. Minutes from the Gandy Bridge, you are perfectly positioned for fast trips to downtown Tampa or St. Pete beaches. Move-in ready and incredibly easy to maintain. Schedule your private tour today!

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

660

Sqft

0 ac

Lot size

1966

Year built

One

Levels

$167

Per sqft

Furnished55+ community

Inside

FlooringCarpet · Laminate
AppliancesElectric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingMini-Split Unit(s)
HeatingElectric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionMetal Siding
FacesEast
ExteriorAwning(s)

Community & fees

HOA fee$387/mo
Taxes (2025)$1,235/yr
PetsSize Limit
CommunityBay/Harbor Front · Boat Slip · Dock · Water Access · Clubhouse · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$1,346 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$647
FHA mortgage insurance (est.)$49
Property tax — 2025 actual bill$103
HOA fee — from the listing$387
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $3,847Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $3,847
Interest rate6.00%
Loan term

Estimated payment

$1,346/mo

Principal & interest$647
FHA mortgage insurance (est.)$49
Property taxes (actual bill)$103
HOA / condo fee$387
Est. insurance$160

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

$167 vs $301

Days on market

50 vs 41 typical

Where $167/sqft sits among the 400 Tampa actives

189 · this home
122
31
18
11
29
$154–291$291–428$428–565$565–702$702–839$839+

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

Map of 4851 W GANDY BOULEVARD UNIT B9L36 inside its neighborhood boundary

Drive times from this address

Downtown Tampa10 min
Tampa Int’l Airport (TPA)20 min

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

MiddleMadison Middle School★★★★
ElementaryAnderson Elementary School★★★★★
HighRobinson High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$435K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

195 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 73% below the TAMPA 33611 median. See the full Tampa market guide →

Paper trail

This home's history

Jun 17, 2026Listed at $109,900 · 50 days on market since
1966Built · REGENCY COVE A COOPERATIVE

Reality check

What actually sold near 4851 W GANDY BOULEVARD UNIT B9L36

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4851 W GANDY BOULEVARD UNIT B12L23Sold · Sep ’25

$42,000

4851 W GANDY BOULEVARD UNIT B12L23 · same community

1 bd · 1 ba · 660 sqft · $64/sqft · 66 DOM

4851 W GANDY BOULEVARD UNIT B2L11Sold · Jan ’26

$45,000

4851 W GANDY BOULEVARD UNIT B2L11 · same community

1 bd · 1 ba · 658 sqft · $68/sqft · 4 DOM

4851 W GANDY BOULEVARD UNIT B1L14Sold · Nov ’25

$90,000

4851 W GANDY BOULEVARD UNIT B1L14 · same community

1 bd · 1.5 ba · 654 sqft · $138/sqft · 218 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4851 W GANDY BOULEVARD UNIT B9L36 — start here.

Andrew Acosta

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 B9L36 — 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

4851 W GANDY BOULEVARD UNIT B9L36 FAQs

What would the monthly payment be for 4851 W GANDY BOULEVARD UNIT B9L36?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,346/mo — principal and interest, the actual property-tax bill, the $387/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 B9L36?+

The association fee works out to $387 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 B9L36?+

The most recent tax bill on record (2025) was $1,235. 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 B9L36?+

The listing reports pets: Size Limit. 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 $109,900, this home is listed about 76% 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 B9L36?+

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

Three things that matter here

01Under the TAMPA 33611 market on paper

$109,900 is 73% below the TAMPA 33611 median of $404,500, and at $167/sqft it sits under the Tampa average of $345.

02Move-in furnished

The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.

03Strong 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.

Listing courtesy of BOB BELL REALTY & LAND CO INC · Robert Bell. MLS #TB8520332.

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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