CENTURY 21 Edge
$824,000$899,0002 bd2.5 ba1,571 sqft$525 /sqft$5,293 /mo all-in ↓

449 S 12TH STREET UNIT 1903, TAMPA, FL, 33602

Active101 days on marketListed May 6, 2026MLS #TB8505495

Reduced $75KCondominiumTOWERS OF CHANNELSIDE

About this home

449 S 12TH STREET UNIT 1903

A rare opportunity at The Towers of Channelside is officially on the market, offering breathtaking water views and one of Tampa’s most walkable urban locations. Perfectly positioned in the heart of Channelside, this 24-hour secured luxury building places restaurants, entertainment, shopping, and waterfront attractions just outside your door. Whether you’re heading out for dinner and a concert or enjoying a quiet evening overlooking the bay, this condo delivers the best of city living. One of the standout features is the expansive 225-square-foot balcony showcasing some of the best water views in Channelside. Watch the energy of Sparkman Wharf below while cruise ships glide into the port and the Tampa skyline lights up at night. Views like this rarely become available. Inside, the 19th-floor St. Thomas floor plan welcomes you through double doors to gleaming wood floors and an open, light-filled layout. This residence features 2 bedrooms, 2.5 bathrooms, climate-controlled storage, and 2 oversized parking spaces conveniently located near the elevators. The split-bedroom design offers dual primary suites, each with private balcony access. The kitchen is equipped with granite countertops, stainless steel appliances, abundant cabinetry, and opens seamlessly to the living and dining areas with sliders leading to the balcony. A spacious laundry room provides room for a full-size washer and dryer plus additional storage. Enjoy everything this unbeatable location has to offer, walk across the street to Sparkman Wharf, hop on the free trolley to Ybor City, take the Cross Bay Ferry to St. Pete, catch a game or concert at Amalie Arena, stroll the Tampa Riverwalk, dine along Water Street Tampa, or explore Armature Works by Water Taxi. Publix, a boat club, and nearby marina access on Harbour Island add even more convenience. Residents enjoy resort-style amenities including an infinity-edge pool with waterfalls, heated spa, catering kitchen, indoor/outdoor clubhouse and bar, billiards, lounge spaces, gas grills, and a dedicated dog walk area. HOA fees include cable, internet, water, trash, concierge service, 24-hour guard security, flood insurance, and building insurance. Experience vibrant waterfront living in the heart of Tampa and literally live at the top. Schedule your private showing today.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,571

Sqft

0 ac

Lot size

2

Garage

2007

Year built

One

Levels

$525

Per sqft

Water viewPets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofConcrete
ConstructionBlock
FoundationBlock
ViewWater
FacesSouth
ParkingAssigned
ExteriorBalcony · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,538/yr
PetsYes
CommunityBuyer Approval Required · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected
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.

$5,293 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,446
PMI (est., until 20% equity)$309
Property tax — 2025 actual bill$378
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $82,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $82,400
Interest rate6.00%
Loan term

Estimated payment

$5,293/mo

Principal & interest$4,446
PMI (est., until 20% equity)$309
Property taxes (actual bill)$378
Est. insurance$160

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.

List $824K
$769KedgeAI estimate $901,941 · range $801K$1.2M$1.2M

vs edgeAI estimate

−8.6%

$/sqft vs Tampa actives

$525 vs $301

Days on market

101 vs 42 typical

Where $525/sqft sits among the 400 Tampa actives

221
103
32 · this home
12
9
23
$154–325$325–495$495–665$665–835$835–1006$1006+

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 Channel District

Map of 449 S 12TH STREET UNIT 1903 inside its neighborhood boundary

Drive times from this address

Downtown Tampa2 min
Tampa Int’l Airport (TPA)16 min
Walt Disney World69 min

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

Get to know Tampa. See the full Tampa guide →

Channel District — neighborhood snapshot

Population

4,558

Median age

36

Median income

$117,680

Median home value

$706,917

Avg household

2

Households w/ children

208

For the school run

Hillsborough County School District

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

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

The numbers that matter

The Tampa market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$413K$439K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

229 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 40% above the TAMPA 33602 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $824,000 $75K
May 6, 2026Listed at $899,000 · 101 days on market since
2007Built · TOWERS OF CHANNELSIDE

Reality check

What actually sold near 449 S 12TH STREET UNIT 1903

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

449 S 12TH STREET UNIT 1201Sold · Jun ’26

$930,000

449 S 12TH STREET UNIT 1201 · same community

3 bd · 3 ba · 1,778 sqft · $523/sqft · 337 DOM

113 BOSPHOROUS AVENUE UNIT 2Sold · Feb ’26

$605,000

113 BOSPHOROUS AVENUE UNIT 2

2 bd · 2.5 ba · 1,565 sqft · $387/sqft · 22 DOM

2 ADALIA AVENUE UNIT 1002Sold · Mar ’26

$750,000

2 ADALIA AVENUE UNIT 1002

2 bd · 2.5 ba · 1,592 sqft · $471/sqft · 12 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.

Jessica Stickler

Your agent

Jessica Stickler

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 449 S 12TH STREET UNIT 1903 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 449 S 12TH STREET UNIT 1903 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

449 S 12TH STREET UNIT 1903 FAQs

What would the monthly payment be for 449 S 12TH STREET UNIT 1903?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,293/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 449 S 12TH STREET UNIT 1903?+

The most recent tax bill on record (2025) was $4,538. 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 449 S 12TH STREET UNIT 1903?+

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 $824,000, this home is listed about 83% above the Tampa median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 449 S 12TH STREET UNIT 1903?+

Blake High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Madison Middle School (middle) — 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

$824,000 runs 40% above the TAMPA 33602 median.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

101 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 $899,000, now $824,000 — a $75K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 BILL NYE REALTY · Molly Nye. MLS #TB8505495.

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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449 S 12TH STREET UNIT 1903, TAMPA, FL — 2 Bed, 2.5 Bath — $824,000 | CENTURY 21 Edge