9815 BAY ISLAND DRIVE, TAMPA, FL, 33615
Active33 days on marketListed Jul 7, 2026MLS #TB8524923
About this home
9815 BAY ISLAND DRIVE
Wake up to panoramic waterfront views and enjoy the lifestyle that makes Bayside one of Tampa Bay’s premier gated waterfront communities. This meticulously maintained pool home blends timeless character with exceptional pride of ownership, offering an incredible opportunity to personalize a home with outstanding bones in one of the neighborhood’s most desirable waterfront settings. Unlike many canal-front properties, this exceptional homesite showcases expansive, wide-open water views rather than neighboring backyards, creating a truly spectacular backdrop from nearly every room. Offering 4 bedrooms, 3.5 bathrooms, 3,259 square feet of living space, a spacious bonus loft, wet bar, and an extended three-car garage, the thoughtfully designed floor plan features multiple living and dining areas, creating the perfect balance of everyday comfort and entertaining. The secluded primary retreat offers a private escape with direct access to the lanai and pool, while large windows and sliding glass doors throughout the home keep the breathtaking waterfront views front and center. From the moment you arrive, you’ll appreciate the stunning curb appeal featuring a paver driveway, lush tropical landscaping, and timeless architecture. Lovingly cared for over the years, the home offers classic appeal while providing the perfect canvas for a buyer to update to their own style and create their dream waterfront retreat. Major investments have already been made, including updated storm-rated windows and sliding glass doors, a premium tile roof (2012), recent dock improvements, and an exceptional outdoor living space featuring a sparkling pool, expansive screened lanai, second-story balconies overlooking the water, and a private dock. These significant updates allow the next owner to focus on personalizing the interior while enjoying peace of mind knowing many of the home’s most important improvements have already been completed. Whether you’re relaxing poolside, entertaining family and friends, or simply enjoying the peaceful waterfront setting, this home offers the boating lifestyle buyers dream about. Ideally located just minutes from Tampa International Airport, downtown Tampa, premier dining and shopping, medical facilities, and the Gulf beaches, this is a rare opportunity to own a beautifully maintained waterfront home in one of Tampa Bay’s most sought-after boating communities. Make your appointment today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,259
Sqft
0.25 ac
Lot size
3
Garage
1987
Year built
Two
Levels
$414
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.
$8,836 /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
$8,836/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.
vs edgeAI estimate
−18.9%
$/sqft vs Tampa actives
$414 vs $302
Days on market
33 vs 42 typical
Where $414/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 Bay Port Colony
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Bay Port Colony — neighborhood snapshot
Population
2,020
Median age
40
Median income
$98,006
Median home value
$334,250
Avg household
2
Households w/ children
191
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 → $434K
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 332% above the TAMPA 33615 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 9815 BAY ISLAND DRIVE
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$1,675,000
9807 BAY ISLAND DRIVE · same community
5 bd · 3.5 ba · 3,245 sqft · $516/sqft · 101 DOM
Sold · Jul ’26$1,650,000
9810 COMPASS POINT WAY · same community
5 bd · 3 ba · 3,459 sqft · $477/sqft · 71 DOM
Sold · Jun ’26$1,425,000
9821 BAY ISLAND DRIVE · same community
4 bd · 3.5 ba · 3,517 sqft · $405/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 9815 BAY ISLAND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9815 BAY ISLAND DRIVE — 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
9815 BAY ISLAND DRIVE FAQs
What would the monthly payment be for 9815 BAY ISLAND DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,836/mo — principal and interest, the actual property-tax bill, the $130/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 9815 BAY ISLAND DRIVE?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9815 BAY ISLAND DRIVE?+
The most recent tax bill on record (2025) was $9,067. 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 9815 BAY ISLAND DRIVE?+
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 $1,350,000, this home is listed about 200% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9815 BAY ISLAND DRIVE?+
Bay Crest Elementary School (elementary), Alonso High School (high), Farnell Middle School (middle), 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
$1,350,000 runs 332% above the TAMPA 33615 median — but at 3,259 sqft it's also nearly twice the size of the typical Tampa listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Bay Crest Elementary School, Alonso High School, Farnell Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Alonso High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · John Larocca. MLS #TB8524923.
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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