
8839 RICHMOND STREET, GIBSONTON, FL, 33534
Active678 days on marketListed Dec 16, 2024MLS #TB8327503
About this home
8839 RICHMOND STREET
Rare Flood Zone X waterfront acreage, private and secluded, yet minutes from I-75. Nearly 5 of this property's 7.32 acres sit in FEMA Flood Zone X, and it has roughly 420 feet on scenic Bullfrog Creek. High, dry land and real waterfront rarely come together in the Tampa Bay area, and after recent hurricanes that matters for both insurance costs and peace of mind. A long private drive leads to a wooded homesite shaded by mature oaks, while 2.5 acres of park-like lowland with an AE flood zone that runs along the creek only. There's room for a main home, guest house, workshop and space for everyone: a private family compound where you can kayak, fish and watch the wildlife from your own bank, yet still reach AdventHealth, shopping, US-301 and I-75 in minutes. Electric, County water, private well, sewer, and septic are already in place, so you can plan and build sooner. Current zoning is AR. The county's Future Land Use Map designates the property Residential-6, which allows up to six units an acre. That gives you a private waterfront retreat today, with room to grow for tomorrow. Buyer to verify all zoning, flood and wetland information with Hillsborough County.
Facts & features
The home at a glance
7.32 ac
Lot size
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.
$5,792 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,792/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $312K
Gibsonton median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 204% above the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 8839 RICHMOND STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$250,000
8917 HONEYWELL ROAD · same community
2 bd · 1 ba · 672 sqft · $372/sqft · 9 DOM
Sold · Feb ’26$100,000
12413 PHILLIPS LANE · same community
3 bd · 1 ba · 1,106 sqft · $90/sqft · 267 DOM
Sold · May ’26$365,000
8849 RICHMOND STREET · same community
3 bd · 2 ba · 1,354 sqft · $270/sqft · 42 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8839 RICHMOND STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8839 RICHMOND STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8839 RICHMOND STREET FAQs
What would the monthly payment be for 8839 RICHMOND STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,792/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 8839 RICHMOND STREET?+
The most recent tax bill on record (2023) was $3,653. 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 Gibsonton?+
At $799,000, this home is listed about 158% above the Gibsonton median of $310,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8839 RICHMOND STREET?+
Gibsonton Elementary School (elementary), East Bay High School (high), Dowdell Middle Magnet School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — 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
$799,000 runs 204% above the GIBSONTON 33534 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
678 days on market against a Gibsonton median of 35 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $950,000, now $799,000 — a $151K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Debrah Hailey. MLS #TB8327503.
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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