9644 Summers Cay Circle, FL 33592, FL, 33592
Active165 days on marketListed Feb 19, 2026MLS #R11165146
About this home
9644 Summers Cay Circle, FL 33592
This nearly new 4-bedroom, 2.5-bath home offers a flexible layout with a loft and dedicated home office. An open floor plan and neutral finishes create a bright, airy feel throughout. The main living area flows into the dining space and kitchen featuring granite countertops, stainless-steel appliances (including a new range), a closet pantry, and sliders to the covered patio. A large storage/drop zone area, under-stair storage, and a half bath complete the first floor. Upstairs includes a spacious loft, a primary suite with walk-in closet and dual-sink bath, generously sized secondary bedrooms, a full bath, and a convenient second-floor laundry. Located in the Summers Cay community with quick access to I-75 and I-4, offering an easy commute to downtown Tampa.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,416
Sqft
2
Garage
2022
Year built
2
Levels
$186
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.
$3,620 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,620/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.
Reality check
What actually sold near 9644 Summers Cay Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$470,000
9586 SUMMERS CAY CIRCLE · same community
5 bd · 3 ba · 2,416 sqft · $195/sqft · 0 DOM
Sold · Nov ’25$450,000
9647 SUMMERS CAY CIRCLE · same community
3 bd · 2 ba · 2,150 sqft · $209/sqft · 135 DOM
Sold · Apr ’26$380,000
9512 SUMMERS CAY CIRCLE · same community
3 bd · 2 ba · 1,650 sqft · $230/sqft · 297 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
Steeve Cadeau
REALTOR® · 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
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
9644 Summers Cay Circle FAQs
What would the monthly payment be for 9644 Summers Cay Circle, FL 33592?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,620/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, FL 33592?+
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, FL 33592?+
The most recent tax bill on record (2025) was $5,835. 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, FL 33592?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
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 Miami Association of REALTORS®.