12438 CARDIFF DRIVE, TAMPA, FL, 33625
Active22 days on marketListed Aug 29, 2026MLS #TB8543754
About this home
12438 CARDIFF DRIVE
TURNKEY TAMPA INVESTMENT | FULLY RENOVATED & FURNISHED | STRONG STR POTENTIAL Welcome to 12438 Cardiff Dr., Tampa, FL 33625 — a fully renovated, fully furnished, turnkey property offering an outstanding opportunity for investors or buyers looking for a move-in-ready Tampa home. No renovations. No furnishing headaches. No lengthy setup. This property is ready from day one, making it especially attractive for an investor seeking a potential short-term rental opportunity. Thoughtfully renovated and beautifully furnished, the home offers a welcoming, guest-ready environment designed for comfort and convenience. With an effective short-term rental strategy, professional management, competitive pricing, and strong occupancy, the property has the potential to generate more than $100,000 in annual gross rental revenue.* For investors, the combination of a turnkey setup, desirable Tampa location, and short-term-rental potential creates an opportunity to acquire a property that can be positioned for income generation without starting from scratch. PROPERTY HIGHLIGHTS • Fully renovated • Fully furnished — furniture included • Turnkey and move-in ready • Excellent short-term rental / vacation rental potential • Potential for $100K+ annual gross rental revenue* • Ideal for investors, second-home buyers, or owner-occupants • Tampa location with convenient access to shopping, dining, entertainment, major roadways, and area attractions • Not located in a flood zone, according to information provided INVESTORS — THIS ONE DESERVES YOUR ATTENTION. Skip the renovation, furnishing, and setup process and step into a property that is already prepared for its next chapter. Whether you’re looking to add a Tampa property to your investment portfolio, establish a short-term rental, purchase a second home, or simply enjoy a beautifully renovated and furnished residence, 12438 Cardiff Dr. offers flexibility, convenience, and exciting income potential. Schedule your private showing and see what makes this turnkey Tampa property such a compelling opportunity.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,700
Sqft
0.17 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$309
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.
$4,074 /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
$4,074/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.
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
+3.3%
$/sqft vs Tampa actives
$309 vs $290
Days on market
22 vs 43 typical
Where $309/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 Logan Gate Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Logan Gate Village — neighborhood snapshot
Population
3,704
Median age
35
Median income
$76,338
Median home value
$289,378
Avg household
3
Households w/ children
540
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)
244 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 31% above the TAMPA 33625 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 12438 CARDIFF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$452,000
12513 CARDIFF DRIVE · same community
4 bd · 2.5 ba · 1,700 sqft · $266/sqft · 16 DOM
Sold · Jul ’26$427,347
12417 CARDIFF DRIVE · same community
4 bd · 2.5 ba · 1,700 sqft · $251/sqft · 3 DOM
Sold · Jul ’26$400,000
12422 CARDIFF DRIVE · same community
4 bd · 2 ba · 1,856 sqft · $216/sqft · 55 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 12438 CARDIFF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12438 CARDIFF DRIVE — 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
12438 CARDIFF DRIVE FAQs
What would the monthly payment be for 12438 CARDIFF DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,074/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 12438 CARDIFF DRIVE?+
The most recent tax bill on record (2025) was $7,089. 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 $525,000, this home is listed about 17% above the Tampa median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12438 CARDIFF DRIVE?+
Sergeant Paul R Smith Middle School (middle), Bellamy Elementary School (elementary), Sickles 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
$525,000 runs 31% above the TAMPA 33625 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Sergeant Paul R Smith Middle School, Bellamy Elementary School, Sickles High School, Patricia Sullivan Metropolitan Ministries Partnership School — Sickles High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Lee Nguyen. MLS #TB8543754.
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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