1808 S 86TH STREET, TAMPA, FL, 33619
Active10 days on marketListed Sep 10, 2026MLS #TB8547513
About this home
1808 S 86TH STREET
Welcome to an incredible opportunity for a first-time homebuyer, investor, or anyone looking for flexible living arrangements and additional income potential! This unique property features a 2-bedroom, 1-bathroom main home PLUS a separate 1-bedroom, 1-bathroom guest house, offering possibilities for rental income, multigenerational living, or a live-in investment strategy. Even better, the main home features a NEW ROOF installed in July 2025! Tucked away on a quiet dead-end street and situated on a generously sized lot, this property offers a peaceful, country-like setting while remaining just 15 minutes from Downtown Tampa and approximately 5 minutes from the heart of Brandon. Inside the main home, the spacious kitchen provides plenty of storage and prep space and flows easily into the dining and living areas. A large laundry and utility room just off the kitchen adds additional storage and functionality. Both bedrooms share a full bathroom. Step outside from the kitchen onto the wide, covered porch, creating the perfect spot for morning coffee, entertaining, or relaxing with family and friends. The sizable yard offers plenty of room to garden, play, entertain, or simply enjoy the outdoors. The detached 1-bedroom, 1-bathroom guest house features a kitchenette within the living and dining area, a separate bedroom, and a full bathroom. Use it as a rental, guest quarters, or private space for extended family—the possibilities are endless. With a NEW 2025 ROOF, spacious lot, separate guest house, and convenient location near both Tampa and Brandon, this property offers a unique combination of flexibility, lifestyle, and income potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
988
Sqft
0.27 ac
Lot size
1978
Year built
One
Levels
$278
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.
$2,182 /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
$2,182/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
−14.3%
$/sqft vs Tampa actives
$278 vs $291
Days on market
10 vs 43 typical
Where $278/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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33619 — neighborhood snapshot
Population
40,302
Median age
33.4
Median income
$63,193
Median home value
$220,300
Avg household
2.67
Households w/ children
4,737
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 6% below the TAMPA 33619 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1808 S 86TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$269,000
2414 S 67TH STREET · same community
2 bd · 1 ba · 1,023 sqft · $263/sqft · 13 DOM
Sold · Nov ’25$240,000
2416 S 67TH STREET · same community
3 bd · 2 ba · 1,092 sqft · $220/sqft · 49 DOM
Sold · Jan ’26$270,000
7620 32ND AVENUE S · same community
3 bd · 2 ba · 1,318 sqft · $205/sqft · 168 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1808 S 86TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1808 S 86TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1808 S 86TH STREET FAQs
What would the monthly payment be for 1808 S 86TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,182/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 1808 S 86TH STREET?+
The most recent tax bill on record (2025) was $3,377. 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 $275,000, this home is listed about 39% below the Tampa median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1808 S 86TH STREET?+
Bing Elementary School (elementary), Giunta Middle School (middle), Spoto 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.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA, LLC · Chelsea Spence. MLS #TB8547513.
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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