3506 N 12TH STREET, TAMPA, FL, 33605
Active33 days on marketListed Jul 9, 2026MLS #O6423970
About this home
3506 N 12TH STREET
Welcome to 3506 N 12th St, Tampa, FL 33605—a charming home offering character, thoughtful upgrades, and a convenient Tampa location. Assumable FHA mortgage with a 3.99 interest rate for qualified buyers, subject to lender approval. This inviting property features classic curb appeal with a welcoming front porch and a spacious lot offering room for outdoor entertaining, gardening, or simply enjoying the Florida lifestyle. A standout feature is the full-home Generac generator, providing added peace of mind during Florida's storm season. The property also includes an automated electric driveway gate with remote-controlled access, allowing convenient entry to the backyard without leaving your vehicle. The fully fenced rear yard offers added privacy, security, and ease of access. Inside, the functional floor plan provides comfortable living spaces designed for everyday living. The detached insulated and air-conditioned building offers approximately 140 square feet of additional space, providing flexibility for use as a home office, studio, fitness room, workshop, hobby room, or other personal workspace. The home is also equipped with a Level 2 EV charger, making electric vehicle charging convenient and readily available. Conveniently located near downtown Tampa, major roadways, dining, shopping, entertainment, and employment centers, this property combines practical upgrades with an excellent location. Schedule your private showing today and experience everything this Tampa home has to show.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,414
Sqft
0.13 ac
Lot size
1926
Year built
One
Levels
$303
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 — not generic estimates.
$3,436 /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
$3,436/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
+11.4%
$/sqft vs Tampa actives
$303 vs $299
Days on market
33 vs 43 typical
Where $303/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 Ybor City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Ybor City — neighborhood snapshot
Population
3,688
Median age
35
Median income
$48,976
Median home value
$242,871
Avg household
2
Households w/ children
388
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)
209 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% above the TAMPA 33605 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3506 N 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$249,900
3504 N 11TH STREET · same community
3 bd · 1 ba · 1,100 sqft · $227/sqft · 21 DOM
Sold · Mar ’26$335,000
1621 E 4TH AVENUE UNIT 202
2 bd · 2 ba · 1,389 sqft · $241/sqft · 55 DOM
Sold · Feb ’26$435,000
2308 N 13TH STREET
2 bd · 2.5 ba · 1,454 sqft · $299/sqft · 92 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3506 N 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3506 N 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3506 N 12TH STREET FAQs
What would the monthly payment be for 3506 N 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,436/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 3506 N 12TH STREET?+
The most recent tax bill on record (2025) was $6,731. 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 3506 N 12TH STREET?+
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 $429,000, this home is listed about 5% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3506 N 12TH STREET?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Middleton High School (high), Potter Elementary School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6423970.
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.
Never miss a listing
New Tampa homes, in your inbox
Like 3506 N 12TH STREET but not quite? A daily digest of every new listing in Tampa — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →