406 E CHELSEA STREET, TAMPA, FL, 33603
Active9 days on marketListed Jul 30, 2026MLS #TB8529716
Come see it
Upcoming open house
Sun, Aug 9
11:00 AM – 2:00 PM
About this home
406 E CHELSEA STREET
THIS IS THE ONE! BRAND NEW construction. A fully independent guest house. The heart of Seminole Heights. Rarely do all three come together in one extraordinary property.Situated on a beautiful corner lot on a street lined with newer homes, this exceptional property features a 4-bedroom, 3-bathroom main residence and a fully independent accessory dwelling unit (ADU) above the detached two-car garage. Complete with its own kitchen, living room, bedroom, bathroom, and full appliance package, it's the perfect setup for multigenerational living, long-term guests, a private home office, income-producing potential, or more. This level of flexibility is an undeniable value-add. The beautifully designed main residence blends the charm and character Seminole Heights is known for with today's most sought-after finishes. Step inside to soaring ceilings, abundant natural light, and an open-concept layout centered around a stunning gourmet kitchen featuring a dramatic quartz waterfall island, under-cabinet lighting, premium appliances—including a smart refrigerator—and sleek designer finishes.Additional highlights include luxury waterproof laminate flooring throughout the home, designer lighting, quartz countertops in the kitchen and bathroom vanities, and thoughtfully curated finishes that prove no detail was overlooked. The first floor offers a private bedroom with an adjacent full bathroom, while upstairs you'll find two additional bedrooms and a stunning primary suite featuring a custom walk-in closet and a spa-inspired ensuite bathroom with a freestanding soaking tub, walk-in shower, dual vanities, and designer tile extending all the way to the ceiling.Outside, the curb appeal is undeniable. A charming front porch, curated landscaping, decorative lighting, an elegant iron privacy gate, and a fully fenced corner lot create a warm welcome, while the oversized multi-car driveway, detached two-car garage with epoxy flooring, covered rear porch, and spacious backyard provide the perfect blend of beauty and everyday functionality. Located just moments from Seminole Heights' favorite restaurants, breweries, coffee shops, boutiques, parks, Downtown Tampa, and major commuter routes, this home delivers the perfect balance of neighborhood character, thoughtful design, and everyday flexibility. Seminole Heights character. Modern luxury. Endless possibilities. One extraordinary Chelsea Street/Central Avenue address... you really CAN have it all!This is more than just a home—it's a lifestyle that must be experienced to truly appreciate its value.Don't miss your opportunity to call this extraordinary Seminole Heights GEM home! BUYER/BUYER'S AGENT IS RESPONSIBLE FOR VERIFYING SQUARE FOOTAGE, LOT SIZE, ROOM DIMENSIONS, TAXES, AND ALL FEES
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,400
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$375
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.
$5,496 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,496/mo
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.
$/sqft vs Tampa actives
$375 vs $301
Days on market
9 vs 42 typical
Where $375/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 33603 — neighborhood snapshot
Population
20,267
Median age
37.9
Median income
$64,632
Median home value
$344,100
Avg household
2.32
Households w/ children
2,222
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 → $439K
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 95% above the TAMPA 33603 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 406 E CHELSEA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$869,900
4208 N CENTRAL AVENUE · same community
5 bd · 3 ba · 2,348 sqft · $370/sqft · 3 DOM
Sold · Nov ’25$450,000
4408 N BRANCH AVENUE · same community
3 bd · 2 ba · 1,568 sqft · $287/sqft · 18 DOM
Sold · Mar ’26$430,000
4102 N BRANCH AVENUE · same community
2 bd · 2 ba · 1,150 sqft · $374/sqft · 128 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 406 E CHELSEA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 406 E CHELSEA 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
406 E CHELSEA STREET FAQs
What would the monthly payment be for 406 E CHELSEA STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,496/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 406 E CHELSEA STREET?+
The most recent tax bill on record (2025) was $1,708. 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 $900,000, this home is listed about 100% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 406 E CHELSEA STREET?+
Graham Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Hillsborough High School (high), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Amina Stevens. MLS #TB8529716.
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 406 E CHELSEA 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 →