101 S 12TH STREET UNIT 405, TAMPA, FL, 33602
Active5 days on marketListed Oct 7, 2026MLS #TB8555622
About this home
101 S 12TH STREET UNIT 405
This spacious 2-story loft condo in Victory Lofts is the epitome of urban living in the Channel District, featuring 2,527 square feet of interior living space with 3 bedrooms, 2 bathrooms, and an oversized 12'x18' balcony offering another 216 square feet of outdoor living space. As you enter, you are welcomed by an open floorplan with soaring 18' ceilings, beautiful rustic wood floors, and floor-to-ceiling windows. The updated kitchen features modern high-gloss white cabinetry, quartz countertops, and stainless steel appliances, including a natural gas stove. This level also offers a spacious great room perfect for a large dining room or combined living/dining space with a huge light installation suspended from the 18' ceiling, a separate family room, large guest bedroom, full bathroom, and laundry closet with full-size washer and dryer. Sliding glass doors lead to the oversized balcony equipped with electric, water, and a natural gas line for your grill or outdoor kitchen. The modern industrial staircase takes you to the second level, where you will find another guest bedroom currently used as an open loft living space, an adjacent flex room that can serve as a huge walk-in closet or be converted into a 3rd bathroom and/or upstairs laundry room, and a dream primary suite with downtown Tampa views, a sitting area, large walk-in closet, and huge primary bathroom with access to the flex room. Your new urban dwelling also includes 2 assigned parking spaces in a gated garage and a secured storage unit. Victory Lofts' amenities include a lobby with package room, fitness room, club room with rooftop terrace and BBQ grill, and a fenced dog park. Maintenance fees include water, sewer, trash, natural gas for your stove and grill, basic cable and internet, building insurance, property management, maintenance and janitorial staff, and escrow reserves. Victory Lofts has satisfactorily completed its SIRS and Milestone inspections, with no special assessments currently due or pending. The Channel District offers a multitude of bars, restaurants, and entertainment, plus Publix, CVS, gyms, and locally owned shops and services within walking distance. Sparkman Wharf, Water Street, Florida Aquarium, and Benchmark Arena are also within walking distance, making this the perfect live, work, play environment without having to get in your car.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,527
Sqft
2004
Year built
Two
Levels
$475
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.
$7,693 /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
$7,693/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
−31.6%
$/sqft vs Tampa actives
$475 vs $289
Days on market
5 vs 64 typical
Where $475/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 Channel District
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Channel District — neighborhood snapshot
Population
4,558
Median age
36
Median income
$117,680
Median home value
$706,917
Avg household
2
Households w/ children
208
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)
232 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 72% above the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 101 S 12TH STREET UNIT 405
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,637,500
101 S 12TH STREET UNIT 612 · same community
3 bd · 3 ba · 2,880 sqft · $569/sqft · 283 DOM
Sold · Apr ’26$575,000
101 S 12TH STREET UNIT 401 · same community
2 bd · 2 ba · 1,816 sqft · $317/sqft · 131 DOM
Sold · Aug ’26$448,500
101 N 12TH STREET UNIT 205 · same community
1 bd · 1 ba · 1,300 sqft · $345/sqft · 2 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 101 S 12TH STREET UNIT 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 101 S 12TH STREET UNIT 405 — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
101 S 12TH STREET UNIT 405 FAQs
What would the monthly payment be for 101 S 12TH STREET UNIT 405?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,693/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 101 S 12TH STREET UNIT 405?+
The most recent tax bill on record (2025) was $7,292. 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 101 S 12TH STREET UNIT 405?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $1,200,000, this home is listed about 176% above the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 101 S 12TH STREET UNIT 405?+
Blake High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Madison Middle School (middle) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of URBAN LIVING TAMPA BAY REALTY · Marvin Meeks. MLS #TB8555622.
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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