4103 N HOWARD AVENUE, TAMPA, FL, 33607
Active171 days on marketListed Feb 20, 2026MLS #TB8478655
About this home
4103 N HOWARD AVENUE
West Riverside Heights income property. $3110/MONTH PAYMENT STANDARD for 3-bedroom Section 8 rental rate in 33607, giving the buyer an opportunity for even greater cash flow than currently producing. Cash-flowing investment opportunity situated within the rapidly appreciating West Riverside Heights district. This duplex is comprised of two 3-bedroom, 1-bathroom units with a combined 1,864-square-foot footprint. The property has recently been upgraded with BRAND NEW Hardie Board siding, trim, exterior paint, and a brand new exterior fence. The AC was recently upgraded in 2022. The bottom unit is currently vacant, while the upstairs tenants are signed to long-term leases. Allowing the buyer to live in one unit and rent out the other, or lease both units if desired. The centrally located property is located minutes from Raymond James Stadium, Hillsborough Community College (the proposed future site of the Tampa Bay Rays), St. Joseph’s Hospital, Armature Works, and the University of Tampa. Charming and well-performing, this West Riverside Heights gem is ideal for those seeking an immediate cash-flowing asset with the potential for long term appreciation.
Facts & features
The home at a glance
6
Bedrooms
1,864
Sqft
0.15 ac
Lot size
1925
Year built
Two
Levels
$241
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.
$3,377 /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
$3,377/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
$241 vs $301
Days on market
171 vs 43 typical
Where $241/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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33607 — neighborhood snapshot
Population
24,960
Median age
39
Median income
$66,404
Median home value
$316,100
Avg household
2.14
Households w/ children
1,882
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)
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 62% above the TAMPA 33607 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4103 N HOWARD AVENUE
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$500,000
4102 N HOWARD AVENUE · same community
3 bd · 2 ba · 1,588 sqft · $315/sqft · 146 DOM
Sold · Apr ’26$417,000
2213 W OHIO AVENUE · same community
3 bd · 2 ba · 1,356 sqft · $308/sqft · 62 DOM
Sold · Mar ’26$1,400,000
4035 N RIVER VIEW AVENUE · same community
3 bd · 3 ba · 3,225 sqft · $434/sqft · 336 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 4103 N HOWARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4103 N HOWARD AVENUE — 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
4103 N HOWARD AVENUE FAQs
What would the monthly payment be for 4103 N HOWARD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,377/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 4103 N HOWARD AVENUE?+
The most recent tax bill on record (2024) was $4,500. 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 $449,000, this home is priced right at the Tampa median.
Which schools are assigned to 4103 N HOWARD AVENUE?+
West Tampa Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Jefferson High School (high), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$449,000 runs 62% above the TAMPA 33607 median — but at 1,864 sqft it's also 17% larger than the typical Tampa listing.
02Time on market is leverage
171 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $550,000, now $449,000 — a $101K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Eric Dungy. MLS #TB8478655.
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 4103 N HOWARD AVENUE 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 →