CENTURY 21 Edge
$1,099,900$1,199,9004 bd4.5 ba3,125 sqft$352 /sqft$6,646 /mo all-in ↓

6403 S RICHARD AVENUE, TAMPA, FL, 33616

Active50 days on marketListed Jun 26, 2026MLS #TB8523550

Reduced $100KNew constructionSingle Family ResidenceSUNSET ADD

About this home

6403 S RICHARD AVENUE

Virtually Staged. Warm contemporary design and timeless craftsmanship come together in this newly completed 4-bedroom, 4.5-bath residence offering 3,125 square feet of living space and over 4,000 square feet under roof in South Tampa’s rapidly evolving Sun Bay South neighborhood. Thoughtfully crafted by SALT & PEPPER CONSTRUCTION, this move-in-ready home blends clean architectural lines with warm natural finishes to create a sophisticated, inviting atmosphere. Located in Flood Zone X-500 and elevated above the base flood elevation, the home offers added peace of mind while just south of Gandy Boulevard with exceptional access to Downtown Tampa, Water Street, the Westshore Business District, Tampa International Airport, MacDill Air Force Base, waterfront parks, marinas, and many of Tampa’s favorite local restaurants. As new custom homes reshape the neighborhood, Sun Bay South continues to attract buyers seeking modern construction, convenience, and long-term value. Designed for the way people live today, the open-concept floor plan is filled with abundant natural light and anchored by soaring 10-foot ceilings, light oak flooring, designer lighting, and curated finishes throughout. Every space balances clean contemporary aesthetics with warmth and functionality. At the heart of the home, the chef-inspired kitchen features custom slow-close cabinetry, quartz countertops, an oversized center island, premium stainless steel appliances, and a hidden walk-in pantry. Oversized sliding glass doors connect the spacious great room to the covered lanai, creating a seamless indoor-outdoor living experience with plumbing and gas already in place for a future outdoor kitchen. The thoughtfully designed second floor offers both privacy and flexibility. The spacious primary suite serves as a true retreat with an oversized custom walk-in closet and a spa-inspired bathroom featuring dual vanities, a freestanding soaking tub, an oversized walk-in shower, and designer tile selections. Each secondary bedroom includes its own en-suite bathroom, while a generous bonus room offers flexibility as a media room, home office, fitness space, or playroom. A functional mudroom and drop zone, along with extensive storage throughout the home, make everyday living as practical as it is beautiful. Built for lasting quality, the home features concrete block construction, impact-rated windows and doors, and construction that meets today’s hurricane standards. For even greater peace of mind, the residence is backed by a comprehensive builder warranty, including a 2-year systems warranty and a 10-year structural warranty through the nationally recognized 2-10 Home Buyers Warranty program. The fully fenced backyard provides a private outdoor setting that’s perfect for entertaining, relaxing, or simply enjoying Florida’s year-round lifestyle. Thoughtfully designed with timeless finishes, functional living spaces, and enduring craftsmanship, this move-in-ready residence offers a rare opportunity to own beautifully executed new construction in one of South Tampa’s fastest-growing neighborhoods. Combining warm contemporary design, quality construction, and an exceptional location, this home delivers the perfect balance of style, comfort, and modern Florida living. A neighboring sister residence at 6401 S. Richard Avenue, featuring a similar floor plan and design aesthetic, is also available for private tour by appointment.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,125

Sqft

0.11 ac

Lot size

2

Garage

2026

Year built

One

Levels

$352

Per sqft

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane
ConstructionBlock · Stucco
FoundationBlock · Slab · Stem Wall
FacesEast
ExteriorAwning(s) · Irrigation System

Community & fees

Taxes (2025)$1,667/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Water 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.

$6,646 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property tax — 2025 actual bill$139
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $109,990Loan30-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% · $109,990
Interest rate6.00%
Loan term

Estimated payment

$6,646/mo

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property taxes (actual bill)$139
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 $1.1M
$1.1MedgeAI estimate $1,322,302 · range $1.2M$1.6M$1.6M

vs edgeAI estimate

−16.8%

$/sqft vs Tampa actives

$352 vs $301

Days on market

50 vs 42 typical

Where $352/sqft sits among the 400 Tampa actives

222
101 · this home
33
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 Gandy/sun Bay South

Map of 6403 S RICHARD AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa11 min
Tampa Int’l Airport (TPA)21 min

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

Get to know Tampa. See the full Tampa guide →

Gandy/sun Bay South — neighborhood snapshot

Population

21,434

Median age

39

Median income

$80,354

Median home value

$420,811

Avg household

2

Households w/ children

1,986

For the school run

Hillsborough County School District

ElementaryLanier Elementary School★★★★
HighRobinson High School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership 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 151% above the TAMPA 33616 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,099,900 $100K
Jun 26, 2026Listed at $1,199,900 · 50 days on market since
2026Built · SUNSET ADD

Reality check

What actually sold near 6403 S RICHARD AVENUE

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

6425 S ADELIA AVENUESold · Apr ’26

$365,000

6425 S ADELIA AVENUE · same community

3 bd · 2 ba · 1,340 sqft · $272/sqft · 35 DOM

6321 S HAROLD AVENUESold · Oct ’25

$459,000

6321 S HAROLD AVENUE · same community

3 bd · 2 ba · 1,301 sqft · $353/sqft · 35 DOM

6326 S CHURCH AVENUESold · Mar ’26

$419,900

6326 S CHURCH AVENUE · same community

3 bd · 2 ba · 1,105 sqft · $380/sqft · 6 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6403 S RICHARD AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6403 S RICHARD AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

6403 S RICHARD AVENUE FAQs

What would the monthly payment be for 6403 S RICHARD AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,646/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 6403 S RICHARD AVENUE?+

The most recent tax bill on record (2025) was $1,667. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Tampa?+

At $1,099,900, this home is listed about 144% above the Tampa median of $449,900. The market section on this page shows how the area is trending.

Which schools are assigned to 6403 S RICHARD AVENUE?+

Lanier Elementary School (elementary), Robinson 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

Three things that matter here

01Positioned at the premium end

$1,099,900 runs 151% above the TAMPA 33616 median — but at 3,125 sqft it's also nearly twice the size of the typical Tampa listing.

02Strong assigned schools

Lanier Elementary School, Robinson High School, Patricia Sullivan Metropolitan Ministries Partnership School — Lanier Elementary School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $1,199,900, now $1,099,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Aaron Barker. MLS #TB8523550.

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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6403 S RICHARD AVENUE, TAMPA, FL — 4 Bed, 4.5 Bath — $1,099,900 | CENTURY 21 Edge