9644 SUMMERS CAY CIRCLE, THONOTOSASSA, FL, 33592
Active0 days on marketListed Nov 6, 2026MLS #TB8564758
About this home
9644 SUMMERS CAY CIRCLE
LOCATION, LOCATION, LOCATION – A MUST-SEE HOME IN SUMMERS CAY! Make this stunning two-story home your personal sanctuary! Nestled in the highly desirable Summers Cay community, this beautifully maintained, 2022-built, 4-bedroom, 2.5-bathroom home with a spacious loft and versatile bonus flex room offers the perfect blend of modern elegance, comfort, functionality, and convenience. Enjoy the added benefits of LOW HOA fees and NO CDD! PRIME LOCATION! Conveniently situated near the I-4 and I-75 interchange, this home offers easy access to Downtown Tampa, Brandon, Riverview, and the Tampa–Orlando corridor. Whether commuting to work, enjoying the vibrant entertainment and dining options of Tampa Bay, or planning a relaxing getaway to Clearwater or St. Petersburg beaches, you'll appreciate the convenience of this desirable location while enjoying the tranquility of a quiet neighborhood. Step inside and experience modern living at its finest! From the moment you enter, you'll appreciate the inviting atmosphere, thoughtfully designed open-concept floor plan, and seamless flow of living spaces. Durable ceramic tile flooring and well-maintained carpeting provide the perfect combination of style, comfort, and easy maintenance. The heart of the home is the beautifully designed kitchen! Featuring sleek floating-style cabinetry, elegant granite countertops, high-end stainless steel Whirlpool appliances, and a spacious center island with breakfast bar seating, this kitchen is a dream for cooking enthusiasts and entertainers alike. The kitchen flows effortlessly into the expansive great room and dining area, creating an inviting space for everyday living, entertaining guests, and making lasting memories. Flexibility, Comfort, and Privacy! The bonus flex room offers endless possibilities as a home office, study, hobby room, or additional entertainment space. Upstairs, a spacious loft provides another versatile living area, perfect for a media room, game room, or private retreat. The primary suite is your personal oasis, thoughtfully designed for relaxation and privacy. Enjoy a generous walk-in closet and a beautifully appointed bathroom featuring a dual-sink granite vanity and spacious walk-in shower. Two additional bedrooms, a full guest bathroom, and a conveniently located upstairs laundry room complete the second floor, offering a functional layout for a variety of lifestyles. Your private backyard retreat awaits! Step outside onto the covered lanai and enjoy the peaceful surroundings with NO REAR NEIGHBORS! Whether enjoying your morning coffee, unwinding after a long day, or entertaining guests, this inviting outdoor space provides the perfect setting to relax and appreciate Florida living. Additional highlights include an installed Guardian security system, keyless door entry, modern finishes, and a thoughtfully designed floor plan that combines everyday convenience with contemporary style. Experience the perfect balance of modern living, neighborhood tranquility, and convenient access to everything the Tampa Bay area has to offer. Don't miss this exceptional opportunity to make this beautiful Summers Cay residence your next home! Schedule your private showing today and discover everything this remarkable property has to offer!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,416
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$176
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.
$3,878 /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
$3,878/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
+6.8%
Days on market
0 vs 51 typical
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 Thonotosassa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Thonotosassa. See the full Thonotosassa guide →
THONOTOSASSA 33592 — neighborhood snapshot
Population
12,333
Median age
42.4
Median income
$68,802
Median home value
$288,600
Avg household
2.77
Households w/ children
1,279
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Thonotosassa market
$449K → $425K
Thonotosassa median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Thonotosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the THONOTOSASSA 33592 median. See the full Thonotosassa market guide →
Paper trail
This home's history
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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9644 SUMMERS CAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9644 SUMMERS CAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9644 SUMMERS CAY CIRCLE FAQs
What would the monthly payment be for 9644 SUMMERS CAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,878/mo — principal and interest, the actual property-tax bill, the $126/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 9644 SUMMERS CAY CIRCLE?+
The association fee works out to $126 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9644 SUMMERS CAY CIRCLE?+
The most recent tax bill on record (2024) was $5,836. 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 9644 SUMMERS CAY CIRCLE?+
The listing reports pets: Breed Restrictions. 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 Thonotosassa?+
At $425,000, this home is listed about 15% below the Thonotosassa median of $497,404. The market section on this page shows how the area is trending.
Which schools are assigned to 9644 SUMMERS CAY CIRCLE?+
Strawberry Crest High School (high), Bailey Elementary School (elementary), Burnett 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
01Under the THONOTOSASSA 33592 market on paper
$425,000 is 14% below the THONOTOSASSA 33592 median of $495,400, and at $176/sqft it sits under the Thonotosassa average of $296.
02Fresh on the market
Listed today in a Thonotosassa market that averages 51 — if it fits, move quickly.
03Strong assigned schools
Strawberry Crest High School, Bailey Elementary School, Burnett Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Strawberry Crest High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of EXP REALTY LLC · Jamal Clarke. MLS #TB8564758.
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 Thonotosassa homes, in your inbox
Like 9644 SUMMERS CAY CIRCLE but not quite? A daily digest of every new listing in Thonotosassa — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Bridget to ping you on any price or status change →