4610 W GRAY STREET UNIT 307, TAMPA, FL, 33609
Active12 days on marketListed Jul 27, 2026MLS #TB8532689
About this home
4610 W GRAY STREET UNIT 307
Virtually Staged. This is a 1-bedroom, 1-bathroom Third floor unit with private patio and view of the courtyard and swimming pool. There is a laundry room just down the hall. The kitchen includes solid wood cabinets, refrigerator, range and dishwasher. The flooring is carpet and vinyl and this unit is equipped with blinds and ceiling fans. Easy access to I-275, Westshore Mall, Airport and restaurants. Secured lobby access with park-like common areas and community pool. No pets allowed in this complex. No commercial vehicles.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
667
Sqft
0 ac
Lot size
1968
Year built
One
Levels
$178
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.
$1,690 /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
$1,690/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
−27.1%
$/sqft vs Tampa actives
$178 vs $301
Days on market
12 vs 42 typical
Where $178/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 Westshore Palms
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Westshore Palms — neighborhood snapshot
Population
1,510
Median age
44
Median income
$78,153
Median home value
$279,074
Avg household
2
Households w/ children
136
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 → $439K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
198 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 72% below the TAMPA 33609 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4610 W GRAY STREET UNIT 307
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$100,000
4606 W GRAY STREET UNIT 107 · same community
1 bd · 1 ba · 667 sqft · $150/sqft · 61 DOM
Sold · Jul ’26$130,000
4606 W GRAY STREET UNIT 107 · same community
1 bd · 1 ba · 667 sqft · $195/sqft · 72 DOM
Sold · Oct ’25$107,000
4607 W FIG STREET UNIT 208 · same community
1 bd · 1 ba · 667 sqft · $160/sqft · 45 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 4610 W GRAY STREET UNIT 307 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4610 W GRAY STREET UNIT 307 — 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
4610 W GRAY STREET UNIT 307 FAQs
What would the monthly payment be for 4610 W GRAY STREET UNIT 307?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,690/mo — principal and interest, the actual property-tax bill, the $589/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 4610 W GRAY STREET UNIT 307?+
The association fee works out to $589 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4610 W GRAY STREET UNIT 307?+
The most recent tax bill on record (2025) was $2,249. 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 4610 W GRAY STREET UNIT 307?+
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 Tampa?+
At $119,000, this home is listed about 74% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4610 W GRAY STREET UNIT 307?+
Grady Elementary School (elementary), Coleman Middle School (middle), Plant 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 33609 market on paper
$119,000 is 72% below the TAMPA 33609 median of $432,000, and at $178/sqft it sits under the Tampa average of $346.
02Know the monthly fee
The association fee is $589/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Grady Elementary School, Coleman Middle School, Plant High School, Patricia Sullivan Metropolitan Ministries Partnership School — Grady Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $199,000, now $119,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOFFMAN REALTY, LLC · MaryAnn Hoffman. MLS #TB8532689.
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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