905 HARBOUR BAY DRIVE, TAMPA, FL, 33602
Active3 days on marketListed Aug 7, 2026MLS #TB8530208
About this home
905 HARBOUR BAY DRIVE
Welcome to a timeless Harbour Island residence where classic architecture, curated design, and effortless indoor-outdoor living come together in one of Tampa’s most coveted gated enclaves. Perfectly positioned along the Island’s linear Central Park, the home enjoys an expanded sense of openness and greenery, an uncommon luxury in the heart of the city. Step inside and the experience begins immediately. A soaring two-story foyer, sweeping staircase, and hand-selected lighting create a dramatic arrival moment. Solid-wood floors carry you through the main level, setting a warm, refined tone that continues throughout the home. The chef’s kitchen is designed for both beauty and performance, featuring Sub-Zero refrigeration, gas cooktop, double ovens, beverage refrigerator, filtered hot/cold water, solid ivory cabinetry, Quartz counters, and stone backsplash. Sunlight pours into the eat-in area, making everyday mornings feel special. The family room is the heart of the home—anchored by a cozy fireplace, custom built-ins, and a dedicated wine refrigerator. French doors open wide to the outdoor entertaining pavilion, where evenings unfold under a custom lighted pergola and the outdoor kitchen becomes the centerpiece for alfresco dining and gatherings. Back inside, the oversized dining room and custom butler’s pantry set the stage for memorable dinner parties, while a separate den/office offers a quiet retreat for work or relaxation. Upstairs, the primary suite becomes a private sanctuary. A welcoming fireplace, balcony overlooking the park, spa-inspired marble and granite bath, and an oversized walk-in closet create a space designed for restoration and indulgence. Throughout, additional features are numerous and thoughtfully integrated. Beyond the home, Harbour Island offers a lifestyle unmatched in Tampa—24-hour gated security, walkability, and immediate access to the best of the city. Stroll to Lifetime Fitness, Tampa’s Riverwalk, Benchmark Arena for Hockey and Concerts, Water Street, Sparkman Wharf, Iconic Bayshore, and nearby dining and entertainment. For boaters, a private marina within walking distance provides effortless access to the bay and beyond. This is Harbour Island living at its finest—classic, curated, and connected to everything.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,447
Sqft
0.11 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$579
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.
$13,637 /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
$13,637/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.
vs edgeAI estimate
+1.1%
$/sqft vs Tampa actives
$579 vs $301
Days on market
3 vs 43 typical
Where $579/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 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
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 234% above the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 905 HARBOUR BAY DRIVE
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$1,800,000
901 HARBOUR BAY DRIVE · same community
4 bd · 3.5 ba · 3,117 sqft · $577/sqft · 27 DOM
Sold · Sep ’25$1,550,000
945 HARBOUR BAY DRIVE · same community
4 bd · 2.5 ba · 2,866 sqft · $541/sqft · 46 DOM
Sold · Feb ’26$2,100,000
560 BOSPHOROUS AVENUE
4 bd · 4 ba · 3,352 sqft · $626/sqft · 212 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
Janet Bowlin
Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 905 HARBOUR BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 905 HARBOUR BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Janet's phone and CRM.
Straight answers
905 HARBOUR BAY DRIVE FAQs
What would the monthly payment be for 905 HARBOUR BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,637/mo — principal and interest, the actual property-tax bill, the $357/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 905 HARBOUR BAY DRIVE?+
The association fee works out to $357 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 905 HARBOUR BAY DRIVE?+
The most recent tax bill on record (2025) was $19,284. 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 905 HARBOUR BAY DRIVE?+
The listing reports pets: Yes. 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 $1,995,000, this home is listed about 343% above the Tampa median of $449,999. The market section on this page shows how the area is trending.
Which schools are assigned to 905 HARBOUR BAY DRIVE?+
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
$1,995,000 runs 234% above the TAMPA 33602 median — but at 3,447 sqft it's also nearly twice the size of the typical Tampa listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a Tampa market that averages 43 — if it fits, move quickly.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Traci Burns. MLS #TB8530208.
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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