3302 BAY CLUB CIRCLE UNIT 3202, TAMPA, FL, 33607
Active55 days on marketListed Jun 17, 2026MLS #TB8512697
About this home
3302 BAY CLUB CIRCLE UNIT 3202
Tucked along the shores of Tampa Bay in the gated Island Club at Rocky Point community, this third-floor end-unit condo offers 964 square feet of thoughtfully designed living space plus a deeded one-car garage, in one of the area's most sought-after waterfront enclaves. Inside, an open floor plan combines the living and dining areas beneath a tray ceiling, with crown molding and built-in features for a polished, upscale feel. The kitchen comes complete with a full appliance suite, refrigerator, range, microwave, dishwasher, washer, and dryer, all included. The primary bedroom offers a peaceful retreat with a spacious walk-in closet, and the adjoining bath rounds out the suite. Step outside to your own private balcony, a quiet spot to enjoy partial bay views with your morning coffee. As an end unit, this home benefits from extra natural light and added privacy, a quiet perk you'll notice the moment you walk in. And the community itself is reason enough to call this home: residents enjoy a heated saltwater pool, a separate in-ground spa, a fully equipped fitness center, a sauna, and outdoor grilling and shower stations, all just steps from the water. A private community fishing pier stretches out over Tampa Bay, offering front-row views of passing wildlife and the downtown Tampa skyline in the distance. Set just off Rocky Point, this gated community is minutes from Tampa International Airport, Westshore, and downtown Tampa, with easy access to some of the city's best waterfront dining. Two pets up to 35 lbs are welcome here too, making this a wonderful fit for buyers and their four-legged companions alike.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
964
Sqft
1
Garage
1997
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.
$2,260 /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
$2,260/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
+16.9%
$/sqft vs Tampa actives
$289 vs $299
Days on market
55 vs 43 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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$32,026/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,250/mo median
Live Tampa rental listing data — this home’s rate depends on size, condition and furnishing.
The Tampa short-term market
▼ Softening46%
Occupancy
▼ 27% yr/yr
$227
Avg nightly rate
▲ 5% yr/yr
$25K/yr
Revenue per listing
$108
RevPAR
35 days
Booking lead time
4.7 nights
Avg stay
4
Typical min nights
4,292
Active rentals
▲ 2% supply
Seasonality — monthly occupancy
Peaks at 58% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Tampa — the projection above is specific to this home’s size.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full guide →
TAMPA 33607 — neighborhood snapshot
Population
24,960
Median age
39
Median income
$66,404
Median home value
$316,100
Avg household
2.14
Households w/ children
1,882
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)
210 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 2% above the TAMPA 33607 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3302 BAY CLUB CIRCLE UNIT 3202
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$277,500
2212 BAY CLUB CIRCLE UNIT 2212 · same community
1 bd · 1 ba · 964 sqft · $288/sqft · 48 DOM
Sold · Mar ’26$322,000
2305 BAY CLUB CIRCLE UNIT 2305 · same community
2 bd · 2 ba · 1,176 sqft · $274/sqft · 14 DOM
Sold · Sep ’25$369,000
5304 BAY CLUB CIRCLE · same community
2 bd · 2 ba · 1,176 sqft · $314/sqft · 5 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 3302 BAY CLUB CIRCLE UNIT 3202 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3302 BAY CLUB CIRCLE UNIT 3202 — 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
3302 BAY CLUB CIRCLE UNIT 3202 FAQs
What would the monthly payment be for 3302 BAY CLUB CIRCLE UNIT 3202?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,260/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 3302 BAY CLUB CIRCLE UNIT 3202?+
The most recent tax bill on record (2025) was $4,007. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3302 BAY CLUB CIRCLE UNIT 3202 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3302 BAY CLUB CIRCLE UNIT 3202?+
The listing reports pets: 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 Tampa?+
At $279,000, this home is listed about 38% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3302 BAY CLUB CIRCLE UNIT 3202?+
West Tampa Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Jefferson High School (high), 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 REAL BROKER, LLC · Marianne Knowles. MLS #TB8512697.
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 Tampa homes, in your inbox
Like 3302 BAY CLUB CIRCLE UNIT 3202 but not quite? A daily digest of every new listing in Tampa — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →