Kat Bonelli
$925,000$1,000,0004 bd3 ba2,304 sqft$401 /sqft$6,782 /mo all-in ↓

2820 N CENTRAL COURT, TAMPA, FL, 33602

Active101 days on marketListed May 1, 2026MLS #TB8490988

Reduced $75KSingle Family ResidenceLAKE ROBLES

About this home

2820 N CENTRAL COURT

Welcome to your almost brand new dream home in the heart of Tampa Heights, where timeless farmhouse architecture meets modern luxury on an expansive lot at the end of a quiet dead-end street, a rare combination of space, privacy, and location. From the moment you arrive, the home captivates with its inviting front porch, lush landscaping, and undeniable curb appeal. A detached three-car garage and extended paved driveway provide ample space for vehicles, guests, and storage, an uncommon find this close to Downtown Tampa. Step inside and you’re immediately greeted by engineered hardwood floors, soaring ceilings, and an abundance of natural light that carries throughout the home. The main living space is both warm and refined, anchored by a custom brick feature wall and gas-burning fireplace, creating the perfect setting for both entertaining and everyday living. A versatile first-floor bedroom or office with vaulted ceilings and exposed wood beams adds flexibility to the layout, ideal for remote work, guests, or a private retreat. At the heart of the home, the kitchen is nothing short of exceptional, designed to impress while remaining highly functional. Featuring two oversized islands, one with a rich butcher block surface and the other with sleek quartz countertops, this space offers abundant prep space, seating, and flow for entertaining. Outfitted with high-end GE appliances, including a gas range and drawer microwave, the kitchen is elevated further by a stunning Zellige tile backsplash and a spacious walk-in pantry. Thoughtfully tucked for a more intimate feel, it strikes the perfect balance between luxury and livability. Seamlessly blending indoor and outdoor living, infinity sliding glass doors open to a backyard that truly sets this property apart. With room to design a resort-style pool, outdoor kitchen, or full entertainment retreat, the possibilities are endless. Enjoy evenings gathered around the custom paved firepit, or unwind on the covered patio featuring wood-accented ceilings and ceiling fans, creating a true extension of the home. Upstairs, the primary suite is a private sanctuary, complete with vaulted ceilings, exposed wood beams, and abundant natural light. A sliding barn door leads to a beautifully designed ensuite bath featuring a double vanity, oversized walk-in shower, and a custom walk-in closet. Two additional spacious bedrooms with generous closets complete the upper level, offering comfort and functionality for family or guests. Built in 2023 by Titan 1 Design & Construction, this home offers the peace of mind of newer construction combined with elevated finishes, thoughtful design, and modern efficiency, all in one of Tampa’s most sought-after locations. Just minutes from Downtown Tampa, the Riverwalk, Armature Works, and the vibrant Tampa Heights scene, this home delivers the perfect blend of urban convenience and private residential living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,304

Sqft

0.26 ac

Lot size

3

Garage

2023

Year built

Two

Levels

$401

Per sqft

Fireplace

Inside

FlooringEngineered Hardwood · Tile
AppliancesDishwasher · Microwave · Range · Range Hood · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Siding
FoundationBlock
FacesEast
ExteriorAwning(s) · Lighting · Private Mailbox · Private Yard · Sliding Doors

Community & fees

Taxes (2025)$15,401/yr

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,782 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$1,283
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $92,500
Interest rate6.00%
Loan term

Estimated payment

$6,782/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$1,283
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $925K
$667KedgeAI estimate $707,756 · range $694K$741K$962K

vs edgeAI estimate

+30.7%

$/sqft vs Tampa actives

$401 vs $297

Days on market

101 vs 43 typical

Where $401/sqft sits among the 400 Tampa actives

221
101 · this home
31
14
9
24
$154–313$313–472$472–631$631–789$789–948$948+

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

Map of 2820 N CENTRAL COURT

Drive times from this address

Downtown Tampa4 min
Tampa Int’l Airport (TPA)16 min
Walt Disney World70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

TAMPA 33602 — neighborhood snapshot

Population

19,694

Median age

35.2

Median income

$88,569

Median home value

$560,400

Avg household

1.78

Households w/ children

1,289

For the school run

Hillsborough County School District

ElementaryGorrie Elementary School★★★★★
MiddleWilson Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighPlant High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$432K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

208 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 58% above the TAMPA 33602 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $925,000 $75K
May 1, 2026Listed at $1,000,000 · 101 days on market since
2023Built · LAKE ROBLES

Reality check

What actually sold near 2820 N CENTRAL COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2801 N JEFFERSON STSold · Nov ’25

$475,000

2801 N JEFFERSON ST · same community

4 bd · 2 ba · 1,862 sqft · $255/sqft · 94 DOM

1218 E KAY STREET UNIT 26Sold · Dec ’25

$837,500

1218 E KAY STREET UNIT 26

3 bd · 3.5 ba · 2,294 sqft · $365/sqft · 301 DOM

1218 E KAY STREET UNIT 25Sold · May ’26

$870,000

1218 E KAY STREET UNIT 25

3 bd · 3.5 ba · 2,294 sqft · $379/sqft · 0 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2820 N CENTRAL COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2820 N CENTRAL COURT — 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.

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Straight answers

2820 N CENTRAL COURT FAQs

What would the monthly payment be for 2820 N CENTRAL COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,782/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 2820 N CENTRAL COURT?+

The most recent tax bill on record (2025) was $15,401. 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 $925,000, this home is listed about 106% above the Tampa median of $449,999. The market section on this page shows how the area is trending.

Which schools are assigned to 2820 N CENTRAL COURT?+

Gorrie Elementary School (elementary), Wilson Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Plant High School (high) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$925,000 runs 58% above the TAMPA 33602 median — but at 2,304 sqft it's also 45% larger than the typical Tampa listing.

02Time on market is leverage

101 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Gorrie Elementary School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School, Plant High School — Gorrie Elementary School rates 5 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,000,000, now $925,000 — a $75K cut. The full history is in the market section below.

Listing courtesy of FRANK ALBERT REALTY · Frank Albert. MLS #TB8490988.

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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