20435 NEEDLETREE DRIVE, TAMPA, FL, 33647
Active43 days on marketListed Sep 24, 2026MLS #TB8550897
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Upcoming open house
Sat, Nov 7
11:00 AM – 3:00 PM
About this home
20435 NEEDLETREE DRIVE
Experience the pinnacle of modern living in this comfortable 2 bedroom, 2.5 bathroom end unit nestled within the beautifully landscaped gated community of The Hammocks of New Tampa. This home offers the perfect blend of privacy and convenience. Step inside to an open floor plan which features ceramic tile throughout the main floor. The kitchen offers 42 inch cherry cabinetry that offers plenty of storage space. Upstairs, the primary suite features a walk-in closet and private bathroom. Enjoy an active, resort style lifestyle with access to community amenities, including a sparkling swimming pool and fully equipped fitness center. Perfect for busy professional or those looking to downsize, this property delivers effortless living. Schedule your private tour today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,192
Sqft
0.04 ac
Lot size
2011
Year built
Two
Levels
$201
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 and the real association fee — not generic estimates.
$2,463 /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
$2,463/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
+12.4%
$/sqft vs HAMMOCKS
$201 vs $192
Days on market
43 vs 55 typical
Where $201/sqft sits among the 16 homes for sale in HAMMOCKS
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 33647 — neighborhood snapshot
Population
74,919
Median age
37
Median income
$104,775
Median home value
$437,600
Avg household
2.79
Households w/ children
10,222
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)
8 of 16
HAMMOCKS have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 20435 NEEDLETREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$219,900
8537 BRUSHLEAF WAY · same community
2 bd · 2.5 ba · 1,192 sqft · $184/sqft · 46 DOM
Sold · Jun ’26$195,000
8548 GABLEBEND WAY · same community
2 bd · 2.5 ba · 1,192 sqft · $164/sqft · 26 DOM
Sold · Jun ’26$225,000
8509 TRAIL WIND DRIVE · same community
2 bd · 2.5 ba · 1,173 sqft · $192/sqft · 86 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20435 NEEDLETREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20435 NEEDLETREE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20435 NEEDLETREE DRIVE FAQs
What would the monthly payment be for 20435 NEEDLETREE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,463/mo — principal and interest, the actual property-tax bill, the $267/mo association fee 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.
How much are the HOA fees at 20435 NEEDLETREE DRIVE?+
The association fee works out to $267 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20435 NEEDLETREE DRIVE?+
The most recent tax bill on record (2025) was $3,383. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 20435 NEEDLETREE DRIVE?+
The listing reports pets: Number Limit, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tampa?+
At $239,999, this home is listed about 44% below the Tampa median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20435 NEEDLETREE DRIVE?+
Wharton High School (high), Turner-Bartels K-8 School (elementary), 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 3D HOME REALTY LLC · Beatriz Cruz. MLS #TB8550897.
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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