8820 BAY POINTE DRIVE UNIT 102, TAMPA, FL, 33615
Active46 days on marketListed Jun 23, 2026MLS #TB8519818
About this home
8820 BAY POINTE DRIVE UNIT 102
PRICE ADJUSTMENT...BEST KEPT SECRET IN TAMPA. WATERFRONT CONDO WITH DIRECT ACCESS TO TAMPA BAY. BEAUTIFUL RENOVATION. EVERYTHING IS NEW. THIS 2 BEDROOM, ONE & A HALF BATH UNIT HAS ALL NEW STAINLESS APPLIANCES, ALL NEW PORCELAIN TILE IN THE KITCHEN AND BATHS, AS WELL AS BRAND NEW CARPET IN BOTH BEDROOMS. THE UNIT ALSO HAS ALL NEW SIMONINGTON STORM BREAKER WINDOWS AND A PAIR OF NEW SLIDING GLASS DOORS LEADING TO YOUR OPEN COVERED BACK PATIO. IF YOU HAVE A BOAT, WE CAN ASSIGN YOU A DOCK AT NO EXTRA CHARGE. WE ARE A WATERFRONT COMMUNITY WITH FULL ACCESS TO THE GULF FROM OUR LOCATION, THERE ARE NO FIXED BRIDGES TO CONTEND WITH. THE COMPLEX HAS UPCOMING RENOVATIONS, INCLUDING FRESH EXTERIOR PAINT, NEW HALLWAY FLOORING, NEW LANDSCAPING, AND MORE. THERE ARE NO UPCOMING ASSESSMENTS, OR, ANY INCREASE IN THE MONTHLY HOA FEES. BAY POINTE IS A HIDDEN GEM CLOSE TO SHOPPING, TAMPA INTERNATIONAL AIRPORT, ENTERTAINMENT, AND THE BEACHES. THE HOA INCLUDES WATER, SEWER & TRASH, ROOF MAINTENANCE, TENNIS, PICKLEBALL & BASKETBALL COURT MAINTENANCE, POOL, FULL LAUNDRY ROOM, A NICE SIZED CLUBHOUSE, AND BLANKET FLOOD COVERAGE ON THE BUILDING. EASY TO SHOW, DON'T MISS OUT.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,100
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$241
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.
$2,520 /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
$2,520/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.
$/sqft vs Tampa actives
$241 vs $301
Days on market
46 vs 42 typical
Where $241/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 Bay Pointe Waterfront
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Bay Pointe Waterfront — neighborhood snapshot
Population
1,029
Median age
44
Median income
$102,981
Median home value
$369,000
Avg household
2
Households w/ children
148
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 → $439K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
206 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 15% below the TAMPA 33615 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 8820 BAY POINTE DRIVE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$255,000
8831 BAY POINTE DRIVE UNIT 107
2 bd · 1.5 ba · 1,100 sqft · $232/sqft · 72 DOM
Sold · May ’26$230,000
8815 BAY POINTE DRIVE UNIT 106
2 bd · 1.5 ba · 1,100 sqft · $209/sqft · 149 DOM
Sold · Nov ’25$205,000
4202 HARBOR HOUSE DRIVE UNIT 24
2 bd · 1.5 ba · 1,139 sqft · $180/sqft · 129 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 8820 BAY POINTE DRIVE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8820 BAY POINTE DRIVE UNIT 102 — 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
8820 BAY POINTE DRIVE UNIT 102 FAQs
What would the monthly payment be for 8820 BAY POINTE DRIVE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,520/mo — principal and interest, the actual property-tax bill, the $680/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 8820 BAY POINTE DRIVE UNIT 102?+
The association fee works out to $680 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8820 BAY POINTE DRIVE UNIT 102?+
The most recent tax bill on record (2025) was $29. 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 8820 BAY POINTE DRIVE UNIT 102?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $265,000, this home is listed about 41% below the Tampa median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8820 BAY POINTE DRIVE UNIT 102?+
Bay Crest Elementary School (elementary), Webb Middle School (middle), Alonso 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
Five things that matter here
01Under the TAMPA 33615 market on paper
$265,000 is 15% below the TAMPA 33615 median of $312,500, and at $241/sqft it sits under the Tampa average of $346.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $680/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Bay Crest Elementary School, Webb Middle School, Alonso High School, Patricia Sullivan Metropolitan Ministries Partnership School — Alonso High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $310,000, now $265,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S CHOICE REALTY SVC LLC · Albi Koteles. MLS #TB8519818.
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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