CENTURY 21 Edge
$325,000$339,0003 bd1 ba902 sqft$360 /sqft≈$2,509 /mo all-in ↓

2118 W PALMETTO STREET, TAMPA, FL, 33607

Active119 days on marketListed Jun 15, 2026MLS #C7527295

✦ Reduced $14KSingle Family ResidenceMAC FARLANES REV MAP OF ADD

About this home

2118 W PALMETTO STREET

This property is virtually staged. Step back in time — without giving up a single modern comfort. This beautifully preserved 1903 Craftsman bungalow sits on one of Old West Tampa’s most photogenic streets, where original cigar-brick pavers and turn- of-the-century homes set the scene. Behind the columned front porch and signature gabled roofline, a fully updated 3-bedroom, 1-bath home (plus a dedicated office) delivers timeless character, thoughtful 2024 improvements, and rare in-town value. Inside, the open living and dining area flows beneath crown molding and rich hardwood floors, anchored by a bright, functional kitchen with a refrigerator, full-size range, built-in microwave, custom tile backsplash, and a stackable washer and dryer tucked neatly into its own nook. The renovated bath features a tub/shower with floor-to-ceiling marble-look tile. Three comfortable bedrooms and a separate office — ideal for working from home — round out a layout that lives larger than its footprint. The home wears its history well: original shiplap and wood siding, two inviting porches, and a fully screened rear porch made for year-round Florida evenings. Major systems have already been addressed — updated electrical and plumbing, a 2018 roof, and an insulated attic — and the seller provides a wind mitigation report (which may help lower insurance costs) plus a boundary survey, saving the next owner real money after closing. A fully fenced yard offers privacy and security, with gated parking and convenient rear-alley access. Climate control is currently handled efficiently by window A/C units; the home was previously served by a 2.5-ton RUUD 14-SEER central system (2019), and the existing ductwork remains — so a buyer can simply add a replacement condenser to restore full central air if desired. Historic charm, modern updates, and built-in buyer savings make 2118 W Palmetto a rare find in a rapidly appreciating pocket just minutes from Downtown Tampa, Armature Works, the Riverwalk, and Midtown. Schedule your private showing today.

Facts & features

The home at a glance

3

Bedrooms

1

Bathrooms

902

Sqft

0.07 ac

Lot size

1903

Year built

One

Levels

$360

Per sqft

Negotiable

Inside

FlooringHardwood
AppliancesDryer · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen
LaundryIn Kitchen
CoolingWall/Window Unit(s)
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationSlab
FacesSouth
ExteriorLighting

Community & fees

Taxes (2025)$3,500/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Available
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.

$2,509 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property tax — 2025 actual bill$292
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,375
Interest rate6.00%
Loan term

Estimated payment

$2,509/mo

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property taxes (actual bill)$292
Est. insurance$160

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.

List $325K
$203KedgeAI estimate $234,490 · range $211K–$258K$338K

vs edgeAI estimate

+38.6%

$/sqft vs MAC FARLANES REV MAP OF ADD

$360 vs $308

Days on market

119 vs 64 typical

Where $360/sqft sits among the 9 homes for sale in MAC FARLANES REV MAP OF ADD

1
1
3
1 · this home
2
1
$183–233$233–283$283–333$333–383$383–433$433+

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 Old West Tampa

Drive times from this address

Downtown Tampa≈ 5 min
Tampa Int’l Airport (TPA)≈ 13 min
Walt Disney World≈ 71 min

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

Get to know Tampa. See the full Tampa guide →

Old West Tampa — neighborhood snapshot

Population

2,058

Median age

37

Median income

$43,170

Median home value

$305,000

Avg household

2

Households w/ children

174

For the school run

Hillsborough County School District

HighBlake High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Tampa market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$413K → $430K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

6 of 9

MAC FARLANES REV MAP OF ADD have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 16% above the TAMPA 33607 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $325,000 ▼ $14K
Jun 15, 2026Listed at $339,000 · 119 days on market since
1903Built · MAC FARLANES REV MAP OF ADD

Reality check

What actually sold near 2118 W PALMETTO STREET

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

2524 W CHESTNUT STREETSold · Jun ’26

$305,000

2524 W CHESTNUT STREET · same community

3 bd · 2 ba · 908 sqft · $336/sqft · 2 DOM

2126 W PINE STREETSold · May ’26

$125,000

2126 W PINE STREET · same community

2 bd · 1 ba · 864 sqft · $145/sqft · 7 DOM

2119 W CHESTNUT STREETSold · Apr ’26

$225,000

2119 W CHESTNUT STREET · same community

3 bd · 1 ba · 966 sqft · $233/sqft · 111 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 2118 W PALMETTO STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2118 W PALMETTO STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2118 W PALMETTO STREET FAQs

What would the monthly payment be for 2118 W PALMETTO STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,509/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 2118 W PALMETTO STREET?+

The most recent tax bill on record (2025) was $3,500. 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 $325,000, this home is listed about 25% below the Tampa median of $435,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2118 W PALMETTO STREET?+

Blake 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.

Listing courtesy of DOWNING FRYE REALTY, INC. · Debra Dolinsky. MLS #C7527295.

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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