3312 BAY CLUB CIRCLE UNIT 3312, TAMPA, FL, 33607
Active46 days on marketListed Jun 26, 2026MLS #TB8522730
About this home
3312 BAY CLUB CIRCLE UNIT 3312
Welcome to Island Club at Rocky Point, a gated, waterfront community set along beautiful Old Tampa Bay! Filled with natural light and a refreshing coastal breeze feel, this third-story condo features an oversized garage with generous storage and an additional driveway providing parking for a second vehicle. Residents enjoy resort-style waterfront amenities including a heated saltwater pool, jacuzzi, sauna, outdoor showers, grilling area, fitness center, clubhouse, and a private community pier - perfect for launching your kayak, fishing, or simply taking in the peaceful bay views. Perfectly situated, this community is just a short walk to restaurants, bars, biking and walking paths, and only minutes to Tampa International Airport, International Mall, Raymond James Stadium, the sugary sand of Clearwater Beach, and major highways for easy commuting. The HOA fee includes premium internet and cable service, security gate, flood insurance, roof and exterior maintenance, pest control, car wash and vacuum area, grounds maintenance, property management, escrow reserves, and full access to the community's high-end amenities. Upgrades and improvements: Full kitchen remodel 2024, New washing machine 2026, New garbage disposal 2025, New LTV flooring and new floor board trim 2024, Full bathroom remodel 2025, New garage door opener including new keypad 2025, New front door keypad 2025, New balcony screening 2024, Interior freshly painted 2025, AC serviced 2025. Schedule your private showing today and experience resort-style waterfront living at Island Club at Rocky Point.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
964
Sqft
1
Garage
1997
Year built
One
Levels
$300
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.
$3,045 /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
$3,045/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
+21.3%
$/sqft vs Tampa actives
$300 vs $299
Days on market
46 vs 43 typical
Where $300/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
Zoned & eligible
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.
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 8% above the TAMPA 33607 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 3312 BAY CLUB CIRCLE UNIT 3312
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 3312 BAY CLUB CIRCLE UNIT 3312 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3312 BAY CLUB CIRCLE UNIT 3312 — 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
3312 BAY CLUB CIRCLE UNIT 3312 FAQs
What would the monthly payment be for 3312 BAY CLUB CIRCLE UNIT 3312?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,045/mo — principal and interest, the actual property-tax bill, the $652/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 3312 BAY CLUB CIRCLE UNIT 3312?+
The association fee works out to $652 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3312 BAY CLUB CIRCLE UNIT 3312?+
The most recent tax bill on record (2025) was $4,851. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3312 BAY CLUB CIRCLE UNIT 3312 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 3312 BAY CLUB CIRCLE UNIT 3312?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size 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 $289,000, this home is listed about 36% below the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3312 BAY CLUB CIRCLE UNIT 3312?+
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 COLDWELL BANKER REALTY · Kelley Haller. MLS #TB8522730.
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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