7832 NIAGARA AVENUE UNIT 323, TAMPA, FL, 33617
Pending369 days on marketListed Aug 6, 2025MLS #TB8414733
About this home
7832 NIAGARA AVENUE UNIT 323
Welcome to River Oaks—Tampa’s hidden gem nestled along the peaceful Hillsborough River. This updated second-floor 1-bedroom, 1-bath condo is located in a private, guard-gated community featuring two sparkling pools, lush tropical landscaping, and unbeatable convenience to everything the city has to offer. Inside, you’ll find vaulted ceilings, brand new luxury vinyl plank flooring, and a bright, open living space that flows into a screened-in balcony with serene views of mature trees—a perfect spot to unwind. The kitchen offers plenty of prep space, while the central A/C and in-unit stackable washer and dryer add everyday ease. The spacious primary bedroom features a large walk-in closet, providing both comfort and functionality. Plus, an assigned covered parking space sits just outside for added convenience. With quick access to I-4, I-275, USF, local dining, and shopping, this location works for just about any lifestyle. Whether you're looking to live in it full-time or enjoy it as a weekend retreat, this upgraded unit in the gated River Oaks community is a must-see.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
736
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$136
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.
$1,050 /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
$1,050/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
+20.1%
$/sqft vs Tampa actives
$136 vs $301
Days on market
369 vs 43 typical
Where $136/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 40th Street Corridor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
40th Street Corridor — neighborhood snapshot
Population
37,490
Median age
36
Median income
$44,203
Median home value
$172,343
Avg household
2
Households w/ children
3,868
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 → $432K
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 42% below the TAMPA 33617 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 7832 NIAGARA AVENUE UNIT 323
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$90,000
7830 NIAGARA AVENUE UNIT 303 · same community
1 bd · 1 ba · 736 sqft · $122/sqft · 17 DOM
Sold · Jun ’26$57,000
7502 NEEDLE LEAF PLACE UNIT 70
1 bd · 1 ba · 707 sqft · $81/sqft · 6 DOM
Sold · Dec ’25$70,000
7522 NEEDLE LEAF PLACE UNIT 27
1 bd · 1 ba · 707 sqft · $99/sqft · 277 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 7832 NIAGARA AVENUE UNIT 323 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7832 NIAGARA AVENUE UNIT 323 — 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
7832 NIAGARA AVENUE UNIT 323 FAQs
What would the monthly payment be for 7832 NIAGARA AVENUE UNIT 323?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,050/mo — principal and interest, the actual property-tax bill, the $255/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 7832 NIAGARA AVENUE UNIT 323?+
The association fee works out to $255 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7832 NIAGARA AVENUE UNIT 323?+
The most recent tax bill on record (2024) was $29. 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 7832 NIAGARA AVENUE UNIT 323?+
The listing reports pets: Breed Restrictions. 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 $99,900, this home is listed about 78% below the Tampa median of $449,999. The market section on this page shows how the area is trending.
Which schools are assigned to 7832 NIAGARA AVENUE UNIT 323?+
King High School (high), Robles Elementary School (elementary), Greco Middle Magnet 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
Four things that matter here
01Under the TAMPA 33617 market on paper
$99,900 is 42% below the TAMPA 33617 median of $171,400, and at $136/sqft it sits under the Tampa average of $346.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
369 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $125,000, now $99,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Mathew Sumlin. MLS #TB8414733.
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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