
3226 W HORATIO STREET, TAMPA, FL, 33609
Active6 days on marketListed Oct 6, 2026MLS #TB8554516
About this home
3226 W HORATIO STREET
Virtually Staged. Location, Location, Location! This modern end-unit townhome puts you in the heart of it all, just minutes from Downtown Tampa, SoHo, the University of Tampa, and some of the city’s best restaurants and entertainment. Perfect for buyers seeking a low-maintenance lifestyle without sacrificing space, style, or convenience, this home offers high ceilings, wood-look tile, and fantastic storage throughout all three levels. The first floor begins with an extended, air-conditioned garage, providing valuable extra space that could easily double as a home gym. Just inside, a large coat closet creates the perfect drop zone near the entry. Down the hall, a spacious guest suite features two closets and a full bathroom, offering incredible flexibility as a third bedroom, home office, or entertaining lounge. Sliding glass doors open directly to the outdoor patio and fenced backyard—and as the ONLY home in the quadplex with a private fenced backyard, this is a feature you won’t want to overlook! Artificial turf keeps the space attractive while making lawn maintenance a breeze. Upstairs, the second level was designed for gathering and entertaining. The open-concept kitchen, dining, and living areas flow seamlessly together, with plenty of room for a dining table, seating at the island, and a comfortable gathering space for watching the game or relaxing with friends. The kitchen features wood cabinetry, stone countertops, and stainless-steel appliances. In the living room, a Venetian plaster feature wall creates a beautiful focal point, while sliding glass doors open to a private balcony. A conveniently located half bath completes this level. Retreat to the third floor, where you’ll find an expansive primary suite with plenty of room for a king-size bed, additional furniture, and even a cozy reading or sitting area. A large walk-in closet provides generous storage, while the primary bath features a walk-in shower and dual-sink vanity. The laundry is conveniently located between the primary suite and an additional bedroom, which also includes its own full bathroom and walk-in closet. Additional highlights include the home’s desirable X flood zone designation, where flood insurance is not typically required by lenders, and zoning for highly sought-after Mitchell Elementary, Wilson Middle, and Plant High School. With its incredible location, flexible living spaces, private backyard, and low-maintenance lifestyle, this townhome offers a rare combination of convenience and comfort in the heart of Tampa.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,814
Sqft
0.02 ac
Lot size
1
Garage
2014
Year built
Three Or More
Levels
$380
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.
$4,851 /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
$4,851/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
+7.1%
$/sqft vs Tampa actives
$380 vs $283
Days on market
6 vs 64 typical
Where $380/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 Palma Ceia Pines
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Palma Ceia Pines — neighborhood snapshot
Population
3,655
Median age
39
Median income
$86,315
Median home value
$538,184
Avg household
2
Households w/ children
519
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)
228 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 38% above the TAMPA 33609 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3226 W HORATIO STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$643,500
3232 W HORATIO STREET · same community
3 bd · 3.5 ba · 1,800 sqft · $358/sqft · 76 DOM
Sold · Aug ’26$1,075,000
3401 W GRANADA STREET
3 bd · 2 ba · 1,804 sqft · $596/sqft · 0 DOM
Sold · May ’26$999,000
3009 W SAN JOSE STREET
3 bd · 2 ba · 1,783 sqft · $560/sqft · 1 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3226 W HORATIO STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3226 W HORATIO STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3226 W HORATIO STREET FAQs
What would the monthly payment be for 3226 W HORATIO STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,851/mo — principal and interest, the actual property-tax bill, the $175/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 3226 W HORATIO STREET?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3226 W HORATIO STREET?+
The most recent tax bill on record (2025) was $6,482. 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 3226 W HORATIO STREET?+
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 $689,000, this home is listed about 58% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3226 W HORATIO STREET?+
Mitchell Elementary School (elementary), Plant High School (high), Wilson Middle School (middle), 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
$689,000 runs 38% above the TAMPA 33609 median — but at 1,814 sqft it's also 16% larger than the typical Tampa listing.
02Fresh on the market
Only 6 days on market in a Tampa market that averages 64 — if it fits, move quickly.
03Strong assigned schools
Mitchell Elementary School, Plant High School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Mitchell Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Jen Carlstedt. MLS #TB8554516.
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.
Never miss a listing
New Tampa homes, in your inbox
Like 3226 W HORATIO STREET but not quite? A daily digest of every new listing in Tampa — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →


