1220 E EMMA STREET, TAMPA, FL, 33603
Active101 days on marketListed Apr 24, 2026MLS #TB8500913
About this home
1220 E EMMA STREET
Don't miss this charming updated 1920s Bungalow in the heart of Southeast Seminole Heights, set on a beautiful tree-lined street in one of Tampa's most established historic neighborhoods. The main house is a 3/2 with an open floor plan where the living room, dining room, and kitchen all flow together seamlessly. The kitchen features stainless steel appliances, solid wood cabinets, and granite countertops. Out back, a spacious detached 1/1 apartment offers the perfect setup for working from home or generating additional income. Mature landscaping frames the spacious front porch, while the backyard is made for entertaining with paver hardscape, a built-in mosquito fogging system for comfortable evenings outdoors, and a storage shed for tools and bikes. You're just minutes from Downtown Tampa with quick access to the interstate, close to favorite local spots like Duff's Famous Wings and Independent Bar & Cafe, and within walking distance of Ragan Park and Giddens Park. Grocery stores and shopping are close by as well. Whether you're a first-time buyer, a growing household in need of more space, or an investor, this Southeast Seminole Heights gem checks all the boxes. Come see it before it's gone!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,554
Sqft
0.13 ac
Lot size
1922
Year built
One
Levels
$289
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.
$3,682 /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
$3,682/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.
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
−11.5%
$/sqft vs Tampa actives
$289 vs $299
Days on market
101 vs 39 typical
Where $289/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 Southeast Seminole Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Southeast Seminole Heights — neighborhood snapshot
Population
3,121
Median age
40
Median income
$69,217
Median home value
$323,910
Avg household
2
Households w/ children
194
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 → $450K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
184 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 3% below the TAMPA 33603 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1220 E EMMA 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$405,000
1205 E EMMA STREET · same community
3 bd · 2 ba · 1,554 sqft · $261/sqft · 81 DOM
Sold · Aug ’25$246,000
1414 E EMMA STREET · same community
3 bd · 2 ba · 1,773 sqft · $139/sqft · 6 DOM
Sold · Jan ’26$340,000
1301 E CURTIS STREET · same community
3 bd · 2 ba · 1,252 sqft · $272/sqft · 6 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 1220 E EMMA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1220 E EMMA STREET — 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
1220 E EMMA STREET FAQs
What would the monthly payment be for 1220 E EMMA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,682/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 1220 E EMMA STREET?+
The most recent tax bill on record (2025) was $8,125. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tampa?+
At $449,500, this home is priced right at the Tampa median.
Which schools are assigned to 1220 E EMMA STREET?+
Edison Elementary School (elementary), Middleton High School (high), 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 TAMPA 33603 market on paper
$449,500 is 3% below the TAMPA 33603 median of $464,900, and at $289/sqft it sits under the Tampa average of $345.
02Time on market is leverage
101 days on market against a Tampa median of 39 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $489,000, now $449,500 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOMBARDO TEAM REAL ESTATE LLC · Garland Davis. MLS #TB8500913.
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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