CENTURY 21 Edge
$1,099,9004 bd4.5 ba3,125 sqft$352 /sqft≈$6,646 /mo all-in ↓

6401 S RICHARD AVENUE, TAMPA, FL, 33616

Active7 days on marketListed Oct 6, 2026MLS #TB8554459

✦ New constructionSingle Family ResidenceSUNSET ADD

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About this home

6401 S RICHARD AVENUE

MOVE-IN READY • MODERN NEW CONSTRUCTION • SPECIAL BUILDER FINANCING AVAILABLE—including an exclusive 10-year interest-only option for qualified buyers. Ask how this opportunity could provide substantially lower initial monthly payments while preserving cash and purchasing power. Warm contemporary design and exceptional craftsmanship define this newly completed South Tampa residence by SALT & PEPPER CONSTRUCTION. Offering 4 bedrooms, 4.5 bathrooms, 3,125 square feet of living space and more than 4,000 square feet under roof, this home pairs clean architectural lines with warm natural finishes and thoughtfully designed spaces. Located in Sun Bay South just south of Gandy Boulevard, the home provides outstanding access to Downtown Tampa, Water Street, Westshore, Tampa International Airport, MacDill Air Force Base, waterfront parks, marinas and some of Tampa’s favorite restaurants. The property is located in Flood Zone X-500 and constructed above the base flood elevation for added peace of mind. Inside, soaring 10-foot ceilings, light oak flooring, designer lighting and abundant natural light create an inviting sense of scale. The chef-inspired kitchen features custom slow-close cabinetry, quartz countertops, an oversized island, premium stainless steel appliances and a hidden walk-in pantry. Expansive sliding doors connect the great room to a covered lanai already equipped with plumbing and electric for a future outdoor kitchen. Upstairs, the primary suite feels like a private retreat with an oversized custom closet and spa-inspired bath featuring dual vanities, a freestanding soaking tub and an impressive walk-in shower. Every secondary bedroom includes its own en-suite bath, while a spacious bonus room offers flexibility for a media room, office, gym or playroom. Built for lasting quality and modern Florida living, the home features concrete-block construction, impact-rated windows and doors, hurricane-conscious construction, a fully fenced backyard and extensive storage. A comprehensive builder warranty includes 2-year systems coverage and a 10-year structural warranty through the nationally recognized 2-10 Home Buyers Warranty program. This is more than a beautiful new home—it is an opportunity to secure sophisticated South Tampa living with a truly distinctive financing advantage. Schedule your private tour and ask for a personalized comparison of the available builder financing options. A neighboring sister residence at 6403 S. Richard Avenue, featuring a similar floor plan and design aesthetic, is also available to tour by appointment.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,125

Sqft

0.11 ac

Lot size

2

Garage

2026

Year built

Two

Levels

$352

Per sqft

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane
ConstructionBlock · Wood Frame
FoundationBlock · Stem Wall
FacesEast
ExteriorHurricane Shutters · Rain Gutters

Community & fees

Taxes (2025)$1,667/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Sewer Connected · 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.

$6,646 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property tax — 2025 actual bill$139
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $109,990Loan30-yr fixed at 6%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% · $109,990
Interest rate6.00%
Loan term

Estimated payment

$6,646/mo

Principal & interest$5,935
PMI (est., until 20% equity)$412
Property taxes (actual bill)$139
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.

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 $1.1M
$1.1MedgeAI estimate $1,271,218 · range $1.1M–$1.4M$1.5M

vs edgeAI estimate

−13.5%

$/sqft vs Tampa actives

$352 vs $289

Days on market

7 vs 64 typical

Where $352/sqft sits among the 400 Tampa actives

240
96 · this home
23
10
6
25
$150–319$319–489$489–659$659–828$828–998$998+

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 Gandy/sun Bay South

Drive times from this address

Downtown Tampa≈ 11 min
Tampa Int’l Airport (TPA)≈ 21 min

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

Get to know Tampa. See the full Tampa guide →

Gandy/sun Bay South — neighborhood snapshot

Population

21,434

Median age

39

Median income

$80,354

Median home value

$420,811

Avg household

2

Households w/ children

1,986

For the school run

Hillsborough County School District

MiddleMadison Middle School★★★★★
HighRobinson High School★★★★★
ElementaryAnderson Elementary School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

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

The numbers that matter

The Tampa market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$413K → $430K

Tampa median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

221 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 139% above the TAMPA 33616 median. See the full Tampa market guide →

Paper trail

This home's history

Oct 6, 2026Listed at $1,099,900 · 7 days on market since
2026Built · SUNSET ADD

Reality check

What actually sold near 6401 S RICHARD AVENUE

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

6321 S RICHARD AVENUESold · Aug ’26

$539,000

6321 S RICHARD AVENUE · same community

3 bd · 2 ba · 1,542 sqft · $350/sqft · 356 DOM

6425 S ADELIA AVENUESold · Apr ’26

$365,000

6425 S ADELIA AVENUE · same community

3 bd · 2 ba · 1,340 sqft · $272/sqft · 35 DOM

6321 S HAROLD AVENUESold · Oct ’25

$459,000

6321 S HAROLD AVENUE · same community

3 bd · 2 ba · 1,301 sqft · $353/sqft · 35 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6401 S RICHARD AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6401 S RICHARD AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

6401 S RICHARD AVENUE FAQs

What would the monthly payment be for 6401 S RICHARD AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,646/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 6401 S RICHARD AVENUE?+

The most recent tax bill on record (2025) was $1,667. 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 $1,099,900, this home is listed about 153% above the Tampa median of $435,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6401 S RICHARD AVENUE?+

Madison Middle School (middle), Robinson High School (high), Anderson Elementary School (elementary), 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

$1,099,900 runs 139% above the TAMPA 33616 median — but at 3,125 sqft it's also nearly twice the size of the typical Tampa listing.

02Fresh on the market

Only 7 days on market in a Tampa market that averages 64 — if it fits, move quickly.

03Strong assigned schools

Madison Middle School, Robinson High School, Anderson Elementary School, Patricia Sullivan Metropolitan Ministries Partnership School — Robinson High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Aaron Barker. MLS #TB8554459.

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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