
6401 S RICHARD AVENUE, TAMPA, FL, 33616
Active7 days on marketListed Oct 6, 2026MLS #TB8554459
Come see it
Upcoming open house
Wed, Oct 14
11:00 AM – 1:00 PM
Broker Open House. Open to all real estate professionals and the general public.
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
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.
$6,646 /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
$6,646/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
−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
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
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
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)
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
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.
Sold · Aug ’26$539,000
6321 S RICHARD AVENUE · same community
3 bd · 2 ba · 1,542 sqft · $350/sqft · 356 DOM
Sold · Apr ’26$365,000
6425 S ADELIA AVENUE · same community
3 bd · 2 ba · 1,340 sqft · $272/sqft · 35 DOM
Sold · 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.
Your agent
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6401 S RICHARD AVENUE — start here.

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.
Keep looking
Similar homes nearby
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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