3412 E FERN ST, TAMPA, FL, 33610
Active64 days on marketListed Sep 3, 2026MLS #TB8543638
About this home
3412 E FERN ST
One or more photo(s) was virtually staged. Welcome to 3412 E Fern St, a 4-bed, 2-bath, single-story home with 2,027 sq ft in the heart of Tampa. This large one-level floor plan offers two entries, a carport and a garage, a formal living and dining room, a spacious family room, and a primary suite with a private bath and walk-in closet. Major updates include a new AC system (2022), water heater (2023), ceiling fans throughout (2025), a new toilet and 2 new vanities (2025), plus a new washing machine, garage door opener and water softener (2026). The fully fenced backyard features mature mango and lemon trees and a detached shed/workshop with full electricity. The laundry room offers bonus storage. No HOA, no CDD fees, and no flood zone. Minutes from Ybor City, Downtown Tampa, TIA, the Riverwalk, Hyde Park and Channelside, with easy highway access. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,027
Sqft
0.16 ac
Lot size
1
Garage
1960
Year built
One
Levels
$168
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.
$2,925 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,925/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−7.1%
$/sqft vs Tampa actives
$168 vs $277
Days on market
64 vs 55 typical
Where $168/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 40th Street Corridor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
40th Street Corridor — neighborhood snapshot
Population
36,788
Median age
37
Median income
$41,693
Median home value
$181,398
Avg household
2
Households w/ children
3,884
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
$410K → $425K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
191 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 17% above the TAMPA 33610 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3412 E FERN ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$390,000
3103 E CAYUGA STREET
4 bd · 2.5 ba · 2,072 sqft · $188/sqft · 14 DOM
Sold · May ’26$319,000
1903 E OSBORNE AVENUE
3 bd · 2 ba · 1,844 sqft · $173/sqft · 69 DOM
Sold · Sep ’26$425,000
2617 E PALIFOX STREET
3 bd · 2 ba · 1,752 sqft · $243/sqft · 130 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3412 E FERN ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3412 E FERN ST — 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
3412 E FERN ST FAQs
What would the monthly payment be for 3412 E FERN ST?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,925/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 3412 E FERN ST?+
The most recent tax bill on record (2025) was $3,364. 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 $339,999, this home is listed about 21% below the Tampa median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3412 E FERN ST?+
Pizzo K-8 School (elementary), King High School (high), Greco Middle Magnet School (middle), 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
$339,999 runs 17% above the TAMPA 33610 median — but at 2,027 sqft it's also 30% larger than the typical Tampa listing.
02City & Park/Greenbelt views
The city and park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $364,999, now $339,999 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Shelby Smith. MLS #TB8543638.
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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