CENTURY 21 Edge
$4,299,0004 bd3 ba2,165 sqft$1,986 /sqft≈$29,455 /mo all-in ↓

628 RIVIERA DRIVE, TAMPA, FL, 33606

Active15 days on marketListed Oct 22, 2026MLS #TB8554152

WaterfrontPrivate poolSingle Family ResidenceDAVIS ISLANDS PB10 PG52 TO 57

About this home

628 RIVIERA DRIVE

Virtually Staged. Virtually finished. Set along Riviera Drive, an exclusive waterfront enclave occupying a separate island within Davis Islands, this property enjoys approximately 100 feet of frontage on a broad canal measuring an estimated 172 feet from seawall to seawall. The generous width of the waterway lends the setting an open, airy quality, while boaters will appreciate direct access to Hillsborough Bay and Tampa Bay without fixed-bridge obstructions. The single-story residence offers four bedrooms, three bathrooms, and approximately 2,165 heated square feet, with details that reflect its established character. Terrazzo flooring, built-ins, crown molding, and a wood-burning fireplace lend warmth and architectural interest, while the Florida room provides a welcoming space for everyday living. An attached two-car garage adds practical convenience. Outdoors, a private swimming pool, covered porches, and mature landscaping create an inviting setting for entertaining, quiet afternoons, and evenings near the water. From the backyard and waterfront, a portion of the downtown Tampa skyline is visible, providing an additional connection to the surrounding cityscape. An existing concrete seawall frames the canal edge, further defining the property's waterfront setting. Buyers may choose to thoughtfully renovate the existing residence and carry its character forward or explore the possibility of new construction on this waterfront homesite, subject to applicable zoning, floodplain, and building requirements. Zoned RS-75 and located in flood zone AE, the property is also being marketed as a land listing. The Davis Islands Village, neighborhood parks, marina, and waterfront recreation are close at hand, while downtown Tampa, Bayshore Boulevard, and the dining, shopping, and cultural destinations of greater South Tampa are a short drive away. With its established island setting, generous waterfront frontage, and flexibility for the future, the property offers a distinctive opportunity to enjoy Davis Islands waterfront living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,165

Sqft

0.29 ac

Lot size

2

Garage

1957

Year built

One

Levels

$1,986

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringOther · Terrazzo · Tile
AppliancesNone
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Living Room/Dining Room Combo · Thermostat
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Other · Stucco
FoundationSlab
ViewPool · Water
FacesWest
ParkingDriveway · On Street
ExteriorIrrigation System · Lighting · Private Mailbox · Sidewalk

Community & fees

Taxes (2025)$7,552/yr
PetsYes
CommunityFishing · Public Boat Ramp · Waterfront · Airport/Runway · Dog Park · Golf Carts OK · Park · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$29,455 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$27,053
PMI (est., until 20% equity)$1,612
Property tax — 2025 actual bill$629
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $429,900Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $429,900
Interest rate7.50%
Loan term

Estimated payment

$29,455/mo

Principal & interest$27,053
PMI (est., until 20% equity)$1,612
Property taxes (actual bill)$629
Est. insurance$160

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.

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.

List $4.3M
$1.2MedgeAI estimate $1,274,196 · range $1.2M–$1.3M$4.5M

vs edgeAI estimate

+237.4%

$/sqft vs DAVIS ISLANDS PB10 PG52 TO 57

$1,986 vs $540

Days on market

15 vs 55 typical

Where $1,986/sqft sits among the 23 homes for sale in DAVIS ISLANDS PB10 PG52 TO 57

14
6
1
1
0
1 · this home
$360–631$631–902$902–1173$1173–1444$1444–1715$1715+

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 Davis Islands

Drive times from this address

Downtown Tampa≈ 8 min
Tampa Int’l Airport (TPA)≈ 21 min
Walt Disney World≈ 75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tampa. See the full Tampa guide →

Davis Islands — neighborhood snapshot

Population

5,227

Median age

47

Median income

$147,819

Median home value

$1,135,067

Avg household

2

Households w/ children

783

For the school run

Hillsborough County School District

ElementaryGorrie Elementary School★★★★★
MiddleWilson Middle School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighPlant High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s market

$410K → $425K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

13 of 23

DAVIS ISLANDS PB10 PG52 TO 57 have cut their price

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 629% above the TAMPA 33606 median. See the full Tampa market guide →

Paper trail

This home's history

Oct 22, 2026Listed at $4,299,000 · 15 days on market since
1957Built · DAVIS ISLANDS PB10 PG52 TO 57

Reality check

What actually sold near 628 RIVIERA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

53 ALBEMARLE AVENUESold · Sep ’26

$975,000

53 ALBEMARLE AVENUE · same community

3 bd · 2.5 ba · 2,386 sqft · $409/sqft · 192 DOM

637 JAMAICA AVENUESold · Apr ’26

$1,175,000

637 JAMAICA AVENUE · same community

4 bd · 2 ba · 1,941 sqft · $605/sqft · 446 DOM

163 BARBADOS AVENUESold · Nov ’25

$830,000

163 BARBADOS AVENUE · same community

4 bd · 2 ba · 1,810 sqft · $459/sqft · 122 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.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 628 RIVIERA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 628 RIVIERA DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

628 RIVIERA DRIVE FAQs

What would the monthly payment be for 628 RIVIERA DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $29,455/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 628 RIVIERA DRIVE?+

The most recent tax bill on record (2025) was $7,552. 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 628 RIVIERA DRIVE?+

The listing reports pets: 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 $4,299,000, this home is listed about 900% above the Tampa median of $429,900. The market section on this page shows how the area is trending.

Which schools are assigned to 628 RIVIERA DRIVE?+

Gorrie Elementary School (elementary), Wilson Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Plant High School (high) — 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

$4,299,000 runs 629% above the TAMPA 33606 median — but at 2,165 sqft it's also 39% 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.

03Strong assigned schools

Gorrie Elementary School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School, Plant High School — Gorrie Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of ENGEL & VOLKERS SOUTH TAMPA · Jeramiah Bustin. MLS #TB8554152.

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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