2704 W GRAY STREET UNIT A, TAMPA, FL, 33609
Active25 days on marketListed Aug 28, 2026MLS #TB8539163
About this home
2704 W GRAY STREET UNIT A
Virtually Staged. Welcome to an exceptional South Tampa townhome where NO HOA, Flood Zone X and a coveted Mitchell, Wilson and Plant school district location come together in one incredible package! Built by BCL Homes, this stylish 3-bedroom, 2.5-bath residence with a 1-car garage offers the space, finishes and outdoor living you’ve been looking for. Inside, the open-concept first floor feels bright, warm and inviting, highlighted by gorgeous wide-plank white oak wood floors, thoughtfully updated from the original flooring by the current owners. The kitchen is designed for both everyday living and entertaining, featuring quartz countertops, stainless steel appliances, under-cabinet lighting and a spacious walk-in pantry, with an effortless flow into the living and dining areas. Upstairs, all three bedrooms are thoughtfully positioned alongside the laundry room. The spacious primary suite features a walk-in closet and en-suite bath with dual sinks, a walk-in shower, private water closet and linen storage. Even the third bedroom includes a walk-in closet, providing plenty of extra storage. And the outdoor space may be one of the home’s best surprises. Step into a beautifully designed backyard with a deck and artificial turf, creating a private, low-maintenance retreat perfect for entertaining friends, letting the kids play, dining outdoors or simply unwinding at the end of the day. No HOA. Flood Zone X. Top-rated South Tampa school district. Beautiful upgrades. Private outdoor space. All in a location convenient to everything that makes South Tampa such a desirable place to call home. This one checks all the boxes!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,104
Sqft
0.07 ac
Lot size
1
Garage
2019
Year built
Two
Levels
$332
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.
$4,804 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,804/mo
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.
vs edgeAI estimate
+0.4%
$/sqft vs Tampa actives
$332 vs $292
Days on market
25 vs 43 typical
Where $332/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 Armory Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Armory Gardens — neighborhood snapshot
Population
1,373
Median age
39
Median income
$76,033
Median home value
$458,328
Avg household
2
Households w/ children
131
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 → $435K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
242 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 40% above the TAMPA 33609 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 2704 W GRAY STREET UNIT A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$640,000
2702 W GRAY STREET UNIT A · same community
3 bd · 2.5 ba · 2,104 sqft · $304/sqft · 40 DOM
Sold · Feb ’26$725,000
2407 W NORTH B STREET UNIT 2 · same community
3 bd · 2.5 ba · 2,000 sqft · $363/sqft · 98 DOM
Sold · Jun ’26$575,000
2502 W NORTH A STREET · same community
3 bd · 2 ba · 1,411 sqft · $408/sqft · 9 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2704 W GRAY STREET UNIT A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2704 W GRAY STREET UNIT A — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2704 W GRAY STREET UNIT A FAQs
What would the monthly payment be for 2704 W GRAY STREET UNIT A?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,804/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 2704 W GRAY STREET UNIT A?+
The most recent tax bill on record (2025) was $7,319. 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 $699,000, this home is listed about 56% above the Tampa median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2704 W GRAY STREET UNIT A?+
Mitchell Elementary School (elementary), Wilson 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
01Positioned at the premium end
$699,000 runs 40% above the TAMPA 33609 median — but at 2,104 sqft it's also 33% larger than the typical Tampa listing.
02Strong assigned schools
Mitchell Elementary School, Wilson Middle School, Plant High School, Patricia Sullivan Metropolitan Ministries Partnership School — Mitchell Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $739,900, now $699,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PALERMO REAL ESTATE PROF. INC. · Diana Pomarico, P.A. MLS #TB8539163.
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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