7023 PAYNE AVENUE, GIBSONTON, FL, 33534
Active37 days on marketListed Aug 14, 2026MLS #TB8538519
About this home
7023 PAYNE AVENUE
Rare 1-acre waterfront parcel, cleared and ready to build. Private dock on the creek with direct access out to the bay, so bring the boat and the kayaks. Level ground leave room for the home, the pool, and the garage. Existing structure on site converts nicely to a mother-in-law suite, office, or storage. No HOA, no CDD, no deed restrictions. Convenient to shopping, dining, and major roadways. Opportunities like this do not last.
Facts & features
The home at a glance
1.27 ac
Lot size
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.
$1,782 /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
$1,782/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.
Where it sits
Inside Gibsonton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Gibsonton. See the full Gibsonton guide →
GIBSONTON 33534 — neighborhood snapshot
Population
18,018
Median age
33.1
Median income
$73,600
Median home value
$274,000
Avg household
3.14
Households w/ children
2,552
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Gibsonton market
$310K → $306K
Gibsonton median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Gibsonton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the GIBSONTON 33534 median. See the full Gibsonton market guide →
Paper trail
This home's history
Reality check
What actually sold near 7023 PAYNE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$290,000
12136 TREE HAVEN AVENUE
3 bd · 2 ba · 1,290 sqft · $225/sqft · 120 DOM
Sold · Jun ’26$282,000
7823 CARRIAGE POINTE DRIVE
3 bd · 2 ba · 1,303 sqft · $216/sqft · 26 DOM
Sold · Feb ’26$320,000
11919 GRAND KEMPSTON DRIVE
3 bd · 2 ba · 1,305 sqft · $245/sqft · 65 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 7023 PAYNE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7023 PAYNE AVENUE — 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
7023 PAYNE AVENUE FAQs
What would the monthly payment be for 7023 PAYNE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,782/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 7023 PAYNE AVENUE?+
The most recent tax bill on record (2025) was $2,007. 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 Gibsonton?+
At $229,900, this home is listed about 30% below the Gibsonton median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7023 PAYNE AVENUE?+
Corr Elementary School (elementary), East Bay 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 GIBSONTON 33534 market on paper
$229,900 is 6% below the GIBSONTON 33534 median of $244,425.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $269,900, now $229,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YELLOWFIN REALTY · Philips Joseph. MLS #TB8538519.
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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