CENTURY 21 Edge
$825,000$835,0004 bd3 ba1,916 sqft$431 /sqft$6,071 /mo all-in ↓

1520 S CHURCH AVENUE, TAMPA, FL, 33629

Active19 days on marketListed Jul 29, 2026MLS #TB8532539

Priced 24% below the TAMPA 33629 medianReduced $10KSingle Family ResidenceSOUTHLAND

About this home

1520 S CHURCH AVENUE

Welcome to this beautifully updated 4-bedroom, 3-bathroom home offering nearly 2,000 square feet in the highly desirable South Tampa neighborhood of Palma Ceia West. Located in a non-flood zone and zoned for top-rated Grady Elementary, Coleman Middle, and Plant High School, this home is just minutes from Sprouts Farmers Market, Publix, shopping, dining, and everything South Tampa has to offer. Designed for both everyday living and entertaining, the spacious floor plan features an expansive living room at the rear of the home, complete with a cozy gas fireplace. This versatile space is perfect as a family room, game room, or home gym. The updated kitchen is the heart of the home, showcasing solid wood cabinetry, soft-close drawers and doors, quartz countertops, a center island, and stainless steel appliances. Bamboo flooring flows throughout, creating a warm and inviting atmosphere, while energy-efficient LED lighting and double-pane windows enhance both comfort and efficiency. The primary suite features dual quartz vanities and a well-appointed bath. All bathrooms include quartz countertops and solid wood cabinetry. The fourth bedroom, complete with an ensuite bathroom, offers excellent flexibility as a guest suite or mother-in-law quarters. A rare bonus is the detached concrete block outbuilding with electricity and its own window A/C unit. Whether you're looking for a private home office, art studio, hobby room, workout space, or additional storage, this versatile space offers endless possibilities. Major updates include a 2017 roof, a new main sewer line in 2020, and a 2016 HVAC system. Ready for immediate occupancy, this home also offers a proven rental history, making it an excellent opportunity for both owner-occupants and investors alike. Homes in this location, with this combination of space, schools, and updates, don't come along often. Schedule your private showing today before this one is gone!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,916

Sqft

0.22 ac

Lot size

1

Garage

1955

Year built

One

Levels

$431

Per sqft

Fireplace

Inside

FlooringBamboo
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Solid Wood Cabinets
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ExteriorFrench Doors

Community & fees

Taxes (2025)$13,803/yr

Utilities & systems

UtilitiesCable Available · Public
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.

$6,071 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property tax — 2025 actual bill$1,150
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $82,500Loan30-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% · $82,500
Interest rate6.00%
Loan term

Estimated payment

$6,071/mo

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property taxes (actual bill)$1,150
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 $825K
$664KedgeAI estimate $932,751 · range $691K$1.3M$1.4M

vs edgeAI estimate

−11.6%

$/sqft vs Tampa actives

$431 vs $301

Days on market

19 vs 42 typical

Where $431/sqft sits among the 400 Tampa actives

222
103 · this home
31
12
9
23
$150–321$321–492$492–663$663–834$834–1005$1005+

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 Palma Ceia West

Map of 1520 S CHURCH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa8 min
Tampa Int’l Airport (TPA)13 min
Walt Disney World75 min

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

Get to know Tampa. See the full Tampa guide →

Palma Ceia West — neighborhood snapshot

Population

1,595

Median age

44

Median income

$157,620

Median home value

$714,530

Avg household

3

Households w/ children

218

For the school run

Hillsborough County School District

ElementaryMabry Elementary School★★★★★
MiddleColeman Middle School★★★★★
HighPlant 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$438K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

228 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 24% below the TAMPA 33629 median. See the full Tampa market guide →

Paper trail

This home's history

CurrentPrice reduced to $825,000 $10K
Jul 29, 2026Listed at $835,000 · 19 days on market since
1955Built · SOUTHLAND

Reality check

What actually sold near 1520 S CHURCH AVENUE

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

709 S HIMES AVENUESold · Jan ’26

$1,058,000

709 S HIMES AVENUE · same community

3 bd · 2.5 ba · 2,122 sqft · $499/sqft · 9 DOM

3603 W MORRISON AVENUESold · Mar ’26

$936,562

3603 W MORRISON AVENUE · same community

3 bd · 2.5 ba · 2,228 sqft · $420/sqft · 5 DOM

215 SW ALPINE PLACESold · Jul ’26

$193,000

215 SW ALPINE PLACE · same community

3 bd · 2 ba · 1,140 sqft · $169/sqft · 13 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.

Moe Thouk Oo

Your agent

Moe Thouk Oo

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1520 S CHURCH 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 1520 S CHURCH AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1520 S CHURCH AVENUE FAQs

What would the monthly payment be for 1520 S CHURCH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,071/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 1520 S CHURCH AVENUE?+

The most recent tax bill on record (2025) was $13,803. 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 $825,000, 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 1520 S CHURCH AVENUE?+

Mabry Elementary School (elementary), Coleman Middle School (middle), Plant 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

01Under the TAMPA 33629 market on paper

$825,000 is 24% below the TAMPA 33629 median of $1,082,000.

02Strong assigned schools

Mabry Elementary School, Coleman Middle School, Plant High School, Patricia Sullivan Metropolitan Ministries Partnership School — Mabry Elementary School rates 5 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $835,000, now $825,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of RE/MAX ALLIANCE GROUP · Rae Anna Conforti PA. MLS #TB8532539.

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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