9020 N RIVER ROAD, TAMPA, FL, 33635
Active296 days on marketListed Oct 17, 2025MLS #TB8436908
About this home
9020 N RIVER ROAD
Strategically repositioned at $750,000, this exceptional waterfront residence offers a rare opportunity to own nearly half an acre with direct water access in the heart of Tampa! Discover a rare waterfront retreat in the Tampa Bay area, and NOW with a New Price. Enjoy privacy, nature, and unbeatable convenience. Located just minutes from Westchase, Tampa International Airport, and downtown, this property is ideal for buyers seeking tranquility without sacrificing access to city life. Set on nearly half an acre, the lush, tree-lined lot provides ample space for outdoor entertaining or peaceful relaxation. The spacious interior layout suits large families and multigenerational living. Enjoy direct access to open water—perfect for boating, fishing, or simply unwinding by the dock. This energy-efficient home features TESLA Powerwall batteries, solar panels, an EV charger, and a whole-house water softener with carbon and UV filtration—combining sustainability with modern comfort. With an elevation above 10 feet, the property remained safe and dry during recent hurricane events—no flooding and no damage. This added peace of mind makes it a smart choice for long-term ownership. Low HOA and generous lot dimensions for future customization. Close to parks, new commercial developments, top-rated schools, and major highways, this home is a smart choice for families, professionals, or vacation seekers. Don’t miss the opportunity to own a piece of Tampa’s exclusive waterfront lifestyle—where location meets livability.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,538
Sqft
0.48 ac
Lot size
3
Garage
2004
Year built
One
Levels
$296
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.
$5,337 /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
$5,337/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
$296 vs $301
Days on market
296 vs 42 typical
Where $296/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 33635 — neighborhood snapshot
Population
19,415
Median age
40.1
Median income
$83,843
Median home value
$309,800
Avg household
2.58
Households w/ children
2,472
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 → $434K
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 74% above the TAMPA 33635 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 9020 N RIVER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$525,000
8801 RIVERSCAPE WAY · same community
4 bd · 3 ba · 2,476 sqft · $212/sqft · 119 DOM
Sold · Oct ’25$528,000
8814 N RIVER ROAD · same community
4 bd · 3 ba · 2,446 sqft · $216/sqft · 93 DOM
Sold · Jun ’26$535,000
9004 GRAND BAYOU COURT · same community
4 bd · 2.5 ba · 2,180 sqft · $245/sqft · 25 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 9020 N RIVER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9020 N RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9020 N RIVER ROAD FAQs
What would the monthly payment be for 9020 N RIVER ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,337/mo — principal and interest, the actual property-tax bill, the $100/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 9020 N RIVER ROAD?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9020 N RIVER ROAD?+
The most recent tax bill on record (2024) was $8,985. 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 9020 N RIVER ROAD?+
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 $750,000, this home is listed about 67% above the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9020 N RIVER ROAD?+
Lowry Elementary School (elementary), Farnell Middle School (middle), Alonso 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.
The brief
Five things that matter here
01Positioned at the premium end
$750,000 runs 74% above the TAMPA 33635 median — but at 2,538 sqft it's also 60% larger than the typical Tampa listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
296 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lowry Elementary School, Farnell Middle School, Alonso High School, Patricia Sullivan Metropolitan Ministries Partnership School — Farnell Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $784,900, now $750,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME PRIME REALTY LLC · Sady Tejeda Perez. MLS #TB8436908.
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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