3210 E FERN STREET, TAMPA, FL, 33610
Active94 days on marketListed May 13, 2026MLS #TB8507955
About this home
3210 E FERN STREET
The Estate has received multiple offers. Please submit your highest and best offer by Wednesday, August 12, 2026, at 5:00 PM. No HOA fees and no CDD. This ranch home retains its original layout with three bedrooms, two bathrooms, and terrazzo floors. It offers strong potential to update and/or expand using an FHA 203K or Fannie Mae Renovation loan. A screened lanai next to the carport provides easy access to the kitchen entrance. The kitchen features a wraparound island and custom, hand-crafted varnished wood cabinets. The primary bath includes craftsman-style half-wall tilework and a walk-in shower. The large laundry room provides ample storage and space for an additional refrigerator/freezer, with direct access to the backyard. Out back, the fenced yard feels like a private retreat, shaded by a sprawling oak and bordered by a quiet, tree-lined alley. The home is move-in ready with minor cosmetic updates. An excellent chance to own in Tampa, close to Roger Park Golf Course, a community recreation center, hospitals and specialty clinics (including cancer centers), James A. Haley Veterans’ Hospital, USF, and major roads with quick interstate access. Downtown Tampa, the Riverwalk, and the area’s entertainment options are just a few miles away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,155
Sqft
0.16 ac
Lot size
1959
Year built
One
Levels
$238
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 — not generic estimates.
$2,238 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,238/mo
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.
vs edgeAI estimate
−12.1%
$/sqft vs Tampa actives
$238 vs $300
Days on market
94 vs 43 typical
Where $238/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 40th Street Corridor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
40th Street Corridor — neighborhood snapshot
Population
37,490
Median age
36
Median income
$44,203
Median home value
$172,343
Avg household
2
Households w/ children
3,868
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 → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
230 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 15% below the TAMPA 33610 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3210 E FERN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$160,000
4602 COURTLAND STREET
4 bd · 2 ba · 1,140 sqft · $140/sqft · 17 DOM
Sold · May ’26$330,000
1706 E CHELSEA STREET
3 bd · 2 ba · 1,139 sqft · $290/sqft · 136 DOM
Sold · May ’26$170,000
4415 BOOKER T DRIVE
3 bd · 1.5 ba · 1,135 sqft · $150/sqft · 14 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 3210 E FERN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3210 E FERN STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3210 E FERN STREET FAQs
What would the monthly payment be for 3210 E FERN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,238/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 3210 E FERN STREET?+
The most recent tax bill on record (2025) was $4,054. 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 3210 E FERN STREET?+
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 $275,000, this home is listed about 39% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3210 E FERN STREET?+
King High School (high), Robles Elementary School (elementary), Greco 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
01Under the TAMPA 33610 market on paper
$275,000 is 15% below the TAMPA 33610 median of $322,400, and at $238/sqft it sits under the Tampa average of $345.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
94 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $310,000, now $275,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER GROUP · Daniel Lee, Sr. MLS #TB8507955.
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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