4054 ROCKY SHORES DRIVE, TAMPA, FL, 33634
Active207 days on marketListed Jan 22, 2026MLS #TB8460255
About this home
4054 ROCKY SHORES DRIVE
Minutes from Veterans Highway, Tampa International Airport, International Plaza, and world-class Tampa dining, this refined waterfront luxury home has thoughtful details, high-end finishes, and resort-style amenities. A private Mediterranean-style courtyard welcomes you home with a serene sitting area, water feature, and ambient bistro lighting. Inside, hardwood floors and sophisticated crown molding flow throughout the first floor, creating a cohesive and elevated aesthetic. The formal dining room and family room both have beautiful tray ceilings with the living room having a gorgeous marble-faced electric fireplace and wonderful pool and water views. At the heart of the home, the chef’s kitchen is both stunning and functional, featuring marble countertops and backsplash, custom drop lighting, and a large island with bar seating and electrical outlets. Stainless steel appliances, a breakfast nook, butler’s pantry, wine refrigerator, and a spacious walk-in pantry complete this exceptional culinary space. The luxurious first-floor primary suite serves as a private retreat, enhanced by a dedicated sitting area and private access to the back patio. The spa-inspired primary bath boasts dual marble-topped vanities, a built-in makeup counter, a walk-in shower with dual showerheads, and a private water closet. Dual walk-in closets with custom closet systems offer exceptional storage and organization. Bedrooms two through four are thoughtfully designed with plush carpeting and walk-in closets, providing comfort and privacy for family and guests. Bedroom two features a private ensuite bath with a marble-topped single vanity and walk-in shower, while Bedrooms three and four share a well-appointed Jack-and-Jill bathroom. Upstairs, a versatile loft offers additional living or entertainment space, complete with a full bath and walk-in closet—ideal for guests or a secondary suite. Outdoors, the property transforms into a true waterfront oasis designed for year-round enjoyment. A covered back patio and expansive paver deck overlook the stunning saltwater infinity-edge pool and spa (2021), complemented by a pergola with gas fireplace (2021). The outdoor kitchen is fully equipped with a gas grill, mini refrigerator, range hood, and sink - perfect for entertaining. Beyond the patio, a large greenspace leads to a private dock and 10,000-lb boat lift, offering effortless access to the water. Additional features include a Ring doorbell, a three-car split garage, and a paver driveway. The home is built up for peace of mind and experienced no water intrusion or power outages during the 2024 hurricane season. This extraordinary home delivers timeless elegance, modern comfort, and an unparalleled waterfront lifestyle.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
4,154
Sqft
0.38 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$721
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.
$20,272 /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
$20,272/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
$721 vs $301
Days on market
207 vs 42 typical
Where $721/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 33634 — neighborhood snapshot
Population
21,643
Median age
38.9
Median income
$69,185
Median home value
$310,900
Avg household
2.82
Households w/ children
2,669
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 → $438K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
226 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 649% above the TAMPA 33634 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 4054 ROCKY SHORES DRIVE
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$2,925,000
4114 ROCKY SHORES DRIVE · same community
4 bd · 5 ba · 4,063 sqft · $720/sqft · 14 DOM
Sold · Jan ’26$2,300,000
4148 ROCKY SHORES DRIVE · same community
4 bd · 4 ba · 3,543 sqft · $649/sqft · 82 DOM
Sold · Aug ’26$3,372,000
4028 ROCKY SHORES DRIVE
5 bd · 5.5 ba · 4,808 sqft · $701/sqft · 62 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4054 ROCKY SHORES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4054 ROCKY SHORES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4054 ROCKY SHORES DRIVE FAQs
What would the monthly payment be for 4054 ROCKY SHORES DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,272/mo — principal and interest, the actual property-tax bill, the $440/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 4054 ROCKY SHORES DRIVE?+
The association fee works out to $440 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4054 ROCKY SHORES DRIVE?+
The most recent tax bill on record (2024) was $28,651. 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 4054 ROCKY SHORES DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $2,995,000, this home is listed about 566% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4054 ROCKY SHORES DRIVE?+
Morgan Woods Elementary School (elementary), Webb Middle School (middle), Leto 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
Four things that matter here
01Positioned at the premium end
$2,995,000 runs 649% above the TAMPA 33634 median — but at 4,154 sqft it's also nearly 3 times the size of the typical Tampa listing.
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
207 days on market against a Tampa median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $3,095,000, now $2,995,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Stephen Gay. MLS #TB8460255.
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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