2109 W ERNA DRIVE, TAMPA, FL, 33603
Pending56 days on marketListed Jun 11, 2026MLS #TB8516966
About this home
2109 W ERNA DRIVE
Prime Location, No Restrictions – Your Tampa Dream Home Awaits! Don't miss this incredible opportunity to make this home your own! This 3-bedroom, 2-bath home is full of potential and ready for someone with a vision to bring it back to life. While it could use some tender loving care, its unbeatable central Tampa location makes it a fantastic investment or the perfect place to create your dream home. Enjoy the freedom of NO HOA and NO CDD fees while being just minutes from Tampa International Airport, Raymond James Stadium, Downtown Tampa, major hospitals, shopping, dining, and entertainment. Families will appreciate the elementary school located just a block away, adding even more convenience to this desirable location. Situated on a spacious corner lot, the property features a fully fenced backyard with plenty of room for pets, gardening, entertaining, or future improvements. An indoor laundry room with direct backyard access adds everyday functionality. Inside, the open living and dining area offers a welcoming layout with sliding glass doors leading to the private backyard, providing a great foundation for creating your ideal indoor-outdoor living space. Whether you're a first-time buyer looking to build equity, an investor searching for your next project, or someone eager to personalize a home in a prime location, this property is packed with possibilities. Bring your ideas and unlock the potential this Tampa gem has to offer. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,119
Sqft
0.25 ac
Lot size
1962
Year built
One
Levels
$286
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.
$2,616 /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
$2,616/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
−21.8%
$/sqft vs Tampa actives
$286 vs $299
Days on market
56 vs 41 typical
Where $286/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 33603 — neighborhood snapshot
Population
20,267
Median age
37.9
Median income
$64,632
Median home value
$344,100
Avg household
2.32
Households w/ children
2,222
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)
186 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 30% below the TAMPA 33603 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 2109 W ERNA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$375,000
2122 W ERNA DRIVE · same community
3 bd · 2 ba · 1,668 sqft · $225/sqft · 54 DOM
Sold · Apr ’26$1,285,000
338 Tuxedo Lane, West Palm Beach FL 33401 · same community
3 bd · 3.5 ba · 1,826 sqft · $704/sqft · 72 DOM
Sold · Feb ’26$1,475,000
307 Flamingo Drive, West Palm Beach FL 33401 · same community
3 bd · 3.5 ba · 1,826 sqft · $808/sqft · 457 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2109 W ERNA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2109 W ERNA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2109 W ERNA DRIVE FAQs
What would the monthly payment be for 2109 W ERNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,616/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 2109 W ERNA DRIVE?+
The most recent tax bill on record (2025) was $5,177. 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 2109 W ERNA DRIVE?+
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 $319,900, this home is listed about 29% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2109 W ERNA DRIVE?+
Graham Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Hillsborough High School (high), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Jacquelyn Scaglione. MLS #TB8516966.
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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