13123 SANCTUARY COVE DRIVE UNIT 104, TEMPLE TERRACE, FL, 33637
Active15 days on marketListed Oct 23, 2026MLS #TB8559829
About this home
13123 SANCTUARY COVE DRIVE UNIT 104
FIRST FLOOR CONDO | UPDATED KITCHEN | SCREENED PATIO | Welcome to The Preserve at Temple Terrace! This 1-bedroom, 1-bathroom FIRST FLOOR condominium offers 834 square feet of comfortable living space with a functional layout and UPDATED interior features. The spacious living area features wood-look flooring, a ceiling fan, and natural light, flowing into a dedicated dining area with sliding glass doors leading to a private screened patio. The kitchen offers white cabinetry, ample counter space, stainless steel appliances, and a convenient pass-through opening overlooking the living area. The bedroom features carpeting, a ceiling fan, and a spacious walk-in closet. The bathroom includes a tub/shower combination and vanity storage. Additional highlights include an interior laundry area, window blinds, and exterior patio storage. Enjoy relaxing on the screened patio overlooking the landscaped grounds and surrounding trees. The Preserve at Temple Terrace offers community amenities including a swimming pool and convenient access to shopping, dining, major roadways, and the University of South Florida area. Currently tenant-occupied, this condominium presents an opportunity for buyers seeking a primary residence or investment property, subject to the existing lease and association requirements. Schedule your showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
834
Sqft
0.01 ac
Lot size
1999
Year built
One
Levels
$138
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.
$1,183 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+3.1%
$/sqft vs Temple Terrace actives
$138 vs $195
Days on market
15 vs 44 typical
Where $138/sqft sits among the 77 Temple Terrace 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 Temple Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Temple Terrace. See the full Temple Terrace guide →
TEMPLE TERRACE 33637 — neighborhood snapshot
Population
17,785
Median age
34.4
Median income
$60,526
Median home value
$213,800
Avg household
2.3
Households w/ children
1,827
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Temple Terrace market
$380K → $398K
Temple Terrace median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
48 of 77
Temple Terrace actives have cut their price
Median sold price, Temple Terrace, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 55% below the TEMPLE TERRACE 33637 median. See the full Temple Terrace market guide →
Paper trail
This home's history
Reality check
What actually sold near 13123 SANCTUARY COVE DRIVE UNIT 104
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$102,000
13235 SANCTUARY COVE DRIVE UNIT 303 · same community
1 bd · 1 ba · 834 sqft · $122/sqft · 141 DOM
Sold · Aug ’26$105,000
13005 SANCTUARY COVE DRIVE UNIT 103 · same community
1 bd · 1 ba · 834 sqft · $126/sqft · 183 DOM
Sold · Nov ’25$115,000
12904 SANCTUARY COVE DRIVE UNIT 301 · same community
1 bd · 1 ba · 730 sqft · $158/sqft · 373 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13123 SANCTUARY COVE DRIVE UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13123 SANCTUARY COVE DRIVE UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13123 SANCTUARY COVE DRIVE UNIT 104 FAQs
What would the monthly payment be for 13123 SANCTUARY COVE DRIVE UNIT 104?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,183/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 13123 SANCTUARY COVE DRIVE UNIT 104?+
The most recent tax bill on record (2025) was $2,187. 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 13123 SANCTUARY COVE DRIVE UNIT 104?+
The listing reports pets: Breed Restrictions, Number Limit, 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 Temple Terrace?+
At $115,000, this home is listed about 65% below the Temple Terrace median of $332,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13123 SANCTUARY COVE DRIVE UNIT 104?+
King High School (high), Jennings Middle School (middle), Folsom 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.
Keep looking
Similar homes nearby
Listing courtesy of 54 REALTY LLC · Brian Kanicki. MLS #TB8559829.
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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