4432 W MCCOY STREET, TAMPA, FL, 33616
Active188 days on marketListed Feb 5, 2026MLS #TB8471946
About this home
4432 W MCCOY STREET
Motivated Seller - Buyer Incentives Available! Welcome to this thoughtfully updated 4-bedroom, 3-bath residence located NOT IN A FLOOD ZONE, situated on a desirable corner lot in South Tampa! Two of the four bedrooms feature en-suite bathrooms, offering both comfort and versatility. Enjoy peace of mind with major system updates completed in 2023, including a new roof, water heater, and main drain line. The interior has been beautifully refreshed with new flooring throughout the home, along with stylish new cabinetry, upgraded appliances, and fully renovated bathrooms. The open-concept floor plan flows seamlessly for everyday living and entertaining, highlighted by a charming built-in kitchen nook. A fully fenced backyard completes the property, perfect for relaxing or hosting guests. Conveniently located near Tampa International Airport, downtown Tampa, Hyde Park, St. Petersburg, and the exciting Interbay Commons development coming soon—this move-in-ready home truly has it all.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,352
Sqft
0.11 ac
Lot size
1954
Year built
One
Levels
$316
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.
$3,291 /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
$3,291/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.
$/sqft vs Tampa actives
$316 vs $299
Days on market
188 vs 44 typical
Where $316/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 Port Tampa City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Port Tampa City — neighborhood snapshot
Population
4,868
Median age
37
Median income
$104,159
Median home value
$388,451
Avg household
2
Households w/ children
588
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 → $435K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
217 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4432 W MCCOY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$405,000
6808 S CORTEZ AVENUE · same community
4 bd · 2 ba · 1,376 sqft · $294/sqft · 12 DOM
Sold · Oct ’25$485,000
6712 S ELEMETA STREET · same community
4 bd · 2 ba · 1,384 sqft · $350/sqft · 8 DOM
Sold · Feb ’26$399,999
6816 S HESPERIDES STREET · same community
3 bd · 2 ba · 1,300 sqft · $308/sqft · 170 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 4432 W MCCOY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4432 W MCCOY 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
4432 W MCCOY STREET FAQs
What would the monthly payment be for 4432 W MCCOY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,291/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 4432 W MCCOY STREET?+
The most recent tax bill on record (2024) was $5,069. 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 $427,900, 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 4432 W MCCOY STREET?+
Westshore Elementary School (elementary), Robinson 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
Three things that matter here
01Time on market is leverage
188 days on market against a Tampa median of 44 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Westshore Elementary School, Robinson High School, Patricia Sullivan Metropolitan Ministries Partnership School — Robinson High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $460,000, now $427,900 — a $32K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PINPOINT REALTY GROUP LLC · Vanessa McDonald. MLS #TB8471946.
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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