3104 W OSBORNE AVENUE, TAMPA, FL, 33614
Active33 days on marketListed Sep 10, 2026MLS #TB8545887
About this home
3104 W OSBORNE AVENUE
SELLER IS OFFERING $15,000 TOWARD BUYER’S CLOSING COSTS , PREPAIDS AND/OR INTEREST RATE BUYDOWN! Welcome to 3104 W Osborne Ave, Tampa, FL 33614 — a spacious 5-bedroom, 2-bath home offering plenty of room to live, entertain, and make your own. The home features an updated kitchen, newer roof, newer windows, updated water heaters, newer septic system, inviting outdoor living space, and peaceful water views. Conveniently located in the heart of Tampa with easy access to shopping, dining, entertainment, and major roadways. 5 Bedrooms | 2 Bathrooms | Water View | No HOA Schedule your private showing and come see everything this Tampa home has to offer. Property Disclosure: A sinkhole claim was made in 2008. Seller reports there was no structural damage and the property was not pinned. Additional information and available documentation regarding the prior claim can be provided to prospective buyers.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
2,255
Sqft
0.17 ac
Lot size
1971
Year built
One
Levels
$277
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.
$3,902 /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
$3,902/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
+3.9%
$/sqft vs Tampa actives
$277 vs $285
Days on market
33 vs 64 typical
Where $277/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 Plaza Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Plaza Terrace — neighborhood snapshot
Population
1,980
Median age
38
Median income
$45,186
Median home value
$234,100
Avg household
2
Households w/ children
187
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 → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
229 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 172% above the TAMPA 33614 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3104 W OSBORNE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$765,000
3408 W DEWEY STREET
4 bd · 3 ba · 2,269 sqft · $337/sqft · 7 DOM
Sold · Jun ’26$510,000
2526 W CORDELIA STREET
4 bd · 3 ba · 2,234 sqft · $228/sqft · 61 DOM
Sold · May ’26$640,000
2902 W HEITER STREET
4 bd · 3 ba · 2,206 sqft · $290/sqft · 3 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3104 W OSBORNE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3104 W OSBORNE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3104 W OSBORNE AVENUE FAQs
What would the monthly payment be for 3104 W OSBORNE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,902/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 3104 W OSBORNE AVENUE?+
The most recent tax bill on record (2025) was $1,629. 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 $624,900, this home is listed about 44% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3104 W OSBORNE AVENUE?+
Mendenhall Elementary School (elementary), Pierce Middle School (middle), Hillsborough 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
$624,900 runs 172% above the TAMPA 33614 median — but at 2,255 sqft it's also 44% larger than the typical Tampa listing.
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 $649,900, now $624,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Gissel Fonseca. MLS #TB8545887.
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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