David Ramirez
$515,000$525,0003 bd2 ba1,586 sqft$325 /sqft$3,439 /mo all-in ↓

3705 N HIGHLAND AVENUE, TAMPA, FL, 33603

Active18 days on marketListed Jul 23, 2026MLS #TB8531843

Reduced $10KSingle Family ResidenceARLINGTON HEIGHTS

About this home

3705 N HIGHLAND AVENUE

Move-in ready 3-bedroom, 2-bathroom modernized 1918 bungalow offering 1,586 square feet of completely updated living space and soaring 10-foot ceilings. This home features a 2023 roof, brand-new heavy-duty HVAC, a fully upgraded 200-amp electrical panel with AFCI breakers, new energy-efficient windows, updated plumbing, a convenient indoor laundry closet, and plenty of off-street parking. Located outside the historic overlay district—meaning zero historic rules or insurance red tape—this flawlessly transformed home blends historic soul with modern luxury.A classic covered front porch with a warm wood-plank ceiling welcomes you into a bright, open-concept floor plan boasting a sleek built-in fireplace. The high-end kitchen is fully redesigned with quartz countertops, crisp shaker cabinetry, a subway-tile backsplash, and premium stainless steel appliances.The highly functional split-bedroom layout positions a versatile front bedroom with direct guest-bath access near the entrance. Tucked away at the rear of the home, the private primary suite offers dual closets, sliding doors to the backyard, and a striking ensuite bathroom with a dual vanity and an oversized floor-to-ceiling tile shower. Premium finishes throughout include luxury vinyl plank flooring, fresh interior/exterior paint, and modern doors and trim.The backyard provides incredible flexibility, featuring convenient alley access—perfect for adding even more private parking, a carport, or a garage—and a large storage shed, making it the perfect canvas for a private fenced retreat. Situated right beside the revitalized Heights district, you are just minutes away from Armature Works, the Tampa Riverwalk, downtown, and the celebrated dining and nightlife of Tampa Heights and Seminole Heights. Enjoy timeless neighborhood charm with absolutely no compromises. Welcome home!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,586

Sqft

0.11 ac

Lot size

1918

Year built

One

Levels

$325

Per sqft

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationCrawlspace
FacesWest
ParkingAlley Access · Driveway · Off Street · On Street
ExteriorLighting · Other · Private Mailbox · Sliding Doors · Storage

Community & fees

Taxes (2025)$239/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Available · Public · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,439 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property tax — 2025 actual bill$20
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,025Loan30-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% · $18,025
Interest rate6.00%
Loan term

Estimated payment

$3,439/mo

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property taxes (actual bill)$20
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.

List $515K
$450KedgeAI estimate $471,860 · range $469K$474K$536K

vs edgeAI estimate

+9.1%

$/sqft vs Tampa actives

$325 vs $300

Days on market

18 vs 43 typical

Where $325/sqft sits among the 400 Tampa actives

217
103 · this home
32
14
10
24
$154–313$313–472$472–631$631–789$789–948$948+

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

Map of 3705 N HIGHLAND AVENUE

Drive times from this address

Downtown Tampa5 min
Tampa Int’l Airport (TPA)16 min
Walt Disney World70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

TAMPA 33603 — neighborhood snapshot

Population

20,267

Median age

37.9

Median income

$64,632

Median home value

$344,100

Avg household

2.32

Households w/ children

2,222

For the school run

Hillsborough County School District

ElementaryGraham Elementary School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighHillsborough High School★★★★★
MiddleMadison Middle 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$432K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

206 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 11% above the TAMPA 33603 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $515,000 $10K
Jul 23, 2026Listed at $525,000 · 18 days on market since
1918Built · ARLINGTON HEIGHTS

Reality check

What actually sold near 3705 N HIGHLAND AVENUE

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

3811 N ARLINGTON AVENUESold · Aug ’25

$520,000

3811 N ARLINGTON AVENUE · same community

4 bd · 2 ba · 1,564 sqft · $332/sqft · 49 DOM

3610 N TAMPA STREETSold · Jul ’26

$375,000

3610 N TAMPA STREET · same community

3 bd · 2 ba · 1,650 sqft · $227/sqft · 278 DOM

3804 N ARLINGTON AVENUESold · May ’26

$515,000

3804 N ARLINGTON AVENUE · same community

4 bd · 2 ba · 1,678 sqft · $307/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3705 N HIGHLAND AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3705 N HIGHLAND AVENUE — before you fall in love.

See it in person

Schedule a tour

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By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. 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.

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Straight answers

3705 N HIGHLAND AVENUE FAQs

What would the monthly payment be for 3705 N HIGHLAND AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,439/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 3705 N HIGHLAND AVENUE?+

The most recent tax bill on record (2025) was $239. 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 $515,000, this home is listed about 14% above the Tampa median of $449,999. The market section on this page shows how the area is trending.

Which schools are assigned to 3705 N HIGHLAND AVENUE?+

Graham Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Hillsborough High School (high), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of TMWRK BROKERAGE LLC · Faith Walston. MLS #TB8531843.

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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