Condominium in THE PLAZA HARBOUR ISLAND A CON, TAMPA · No CDD
THE PLAZA HARBOUR ISLAND A CON · TAMPA, FL 33602 · Hillsborough
Listing data updated August 14, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
2,636Sq Ft
2007Year Built
$607Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$607 here vs $615 median sold (12 mo)
Buyer leverage
Buyer advantage
1 days on market
9.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~8 ft elevation
$6k–$11k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 4
Price vs recent sales
Asking $1.60M tops 3 of the last 4 closed sales; also one of the largest homes here at 2,636 sq ft
Listed at $1,599,000 — recent neighborhood median sale price ~$1,224,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · THE PLAZA HARBOUR ISLAND A CON
Pricing & the THE PLAZA HARBOUR ISLAND A CON market
How this home is priced against recent nearby sales, and where THE PLAZA HARBOUR ISLAND A CON has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in THE PLAZA HARBOUR ISLAND A CON
Each dot is a closed sale since 2021 (42 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $607/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2007BuiltPer public record
Aug 4, 2026First trackedObserved at $1,599,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$10,184/mo
Principal & interest $8,102/mo80%
Taxes $1,399/mo14%
Insurance $632/mo6%
HOA $50/mo0%
$10,184/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current Hillsborough County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $8,300/yr ($692/mo)
+$16,075 more each year
(+194%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$485,316
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
49/100
Strongest on: Flood safety (90), Insurance cost (74)
0 limited50100 exceptional
49/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area53
This home $607/sq ft vs the community 12-month median $615/sq ft.
Affordability0
List price $1,599,000 vs the community median $1,224,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost74
From FEMA Zone X and a 2007 build. Obtain a property-specific quote.
Market liquidity44
Community median 28 days on market, ~9.3 months of supply (12-month record).
Renovation upside41
From a 2007 build and $607/sq ft vs the community median $615/sq ft. Not a condition assessment.
Buyer competition40
60% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power53
Recent sales closed at about 97.4% of original asking (~2.6% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 9.3 months of supply in the surrounding market and 1 days on market for this home, against a 28-day area median.Days on market:this home 1Area median: 28 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. As of August 2, 2026.
🟡 Asking $607 per square foot, about in line with the community’s $615 median. THE PLAZA HARBOUR ISLAND A CON’s 12-month median sold price per square foot is $615. Median sold price per square foot is down 8.5% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
54% of homes in THE PLAZA HARBOUR ISLAND A CON are owner-occupied. An estimated 46% are non-owner-occupied, including 13% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 142 homes matched. Community-level context.
Recent THE PLAZA HARBOUR ISLAND A CON sales closed near 97.4% of original asking. Cash paid for about 60% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in THE PLAZA HARBOUR ISLAND A CON, no CDD assessment.
Updated August 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
We are proud to present unit 405 in the Plaza on Harbour Island. This condo/villa is the only floor plan of its kind in the building, with its 4th floor location ideally located near building amenities and the unit’s two assigned car spaces. Sporting 2 bedrooms and 3.5 bathrooms, unit 405 has been extensively renovated with no expense spared.
Walking into the unit you are immediately greeted by a bright, open space filled with natural light. Custom built-ins provide functional spaces in the entry-foyer, a chic entertainment wall and beverage station complete with a GE monogram pillar refrigerator. The kitchen is as functional as it is beautiful.
Thoughtful upgrades include Cambria Quartz Countertops, a suite of Jenn-Air Appliances and a touchless faucet. The kitchen provides further livability with a breakfast bar and oversized island. Upstairs, you will also find an oversized powder room with a tiled-marble wall and marble-topped vanity.
Venturing downstairs, you are greeted with a laundry closet, a secondary bedroom suite with an oversized bathroom and closet system, along with the light-filled primary suite with his and hers closets. The Plaza is a full-service, luxury building designed to provide the upmost comfort and attention for residents. Building amenities include 24/7 front desk, valet parking, dedicated resident concierge, dedicated building manager and on-site maintenance crew.
Work from home amenities include a business center, conference room. Entertainment spaces are provided with a club room and resident lounge room. Additional amenities include a newly-renovated heated saltwater infinity-edge pool deck, spa, palm court, gym, sauna, massage treatment room and locker room facilities.
Description provided by SMITH & ASSOCIATES REAL ESTATE and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,599,000
Bed / bath2 / 2.5
Living area2,636 sq ft
Year built2007
Property typeCondominium
Garage2-car
MLS #TB8526381
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~8 ft
Windstorm exposureLow
CountyHillsborough
Area listings7 active · 2 under contract
Estimated first-year tax~$16,790/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$607
Estimated monthly payment$10,184
Insurance (illustrative)$6k–$11k/yr
Comparable-sales median$1,224,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Listing agent: Nicholas Buchanan · 813-839-3800Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,426,076the mess$1,816,204
Actual list price: $1,599,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 28-day community median
7 active listings competing, 2 under contract
≈9.3 months of supply
8 closed here in the last 12 months
For reference, this home is listed at $1,599,000 ($607/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,636 sq ft × $541–$689/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 14, 2026.
Keep looking
Similar homes for sale near THE PLAZA HARBOUR ISLAND A CON
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $1,599,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$16,790/yr
A rough first-year estimate only, applying a typical Hillsborough rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$6k–$11k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~8 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in THE PLAZA HARBOUR ISLAND A CON
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the THE PLAZA HARBOUR ISLAND A CON neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$1,224,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$615
Canonical 12-month median $/sq ft. Reference only.
Go deeper on THE PLAZA HARBOUR ISLAND A CON
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
33-story tower planned for Water Street Tampa expansion
Strategic Property Partners plans a 33-story mixed use tower at Water Street and Cumberland Avenue in downtown Tampa on a 1.9-acre site. The building would hold 452 residential units ranging from studios to three bedrooms plus about 37,000 square feet of retail and 645 parking spaces. Construction is scheduled to begin in spring 2027 with completion targeted for 2029.
Why it matters: Adds a 33 story tower with 452 residential units and ground floor retail to the downtown Tampa market, continuing the buildout of the Water Street district and expanding high rise housing supply. The site is less than a mile north of The Plaza Harbour Island A Con.
New Interstate 75 interchange planned for Parrish area access
A new Interstate 75 interchange is being planned to improve access for the Parrish area, primarily located in Hillsborough County and connecting to Manatee County through a possible Fort Hamer Road extension. The project is in the planning phase.
Why it matters: Plans a new interstate interchange that would expand road capacity and connectivity for a growing area, potentially shaping future development patterns along the corridor. The project is about 24 miles south of The Plaza Harbour Island A Con, elsewhere in Hillsborough County.
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
Why it matters: Adds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The project is about 5 miles north of The Plaza Harbour Island A Con, elsewhere in Hillsborough County.
First 3D-printed affordable home nears completion in East Tampa
The nonprofit Corporation to Develop Communities of Tampa is completing Tampa's first 3D-printed affordable home on Lurline Circle in East Tampa, using a gantry-style printer that layers concrete for the walls. The house is expected to be finished within weeks and listed for sale in about two months, with down payment assistance and first time homebuyer programs available. The effort is part of a broader CDC initiative that includes more than 90 multifamily units in East Tampa.
Why it matters: Introduces 3D concrete printing construction to the local for sale housing market, with a new single family home and additional multifamily units planned. The method signals a new building technique entering the area home supply. The project is about 4 miles northeast of The Plaza Harbour Island A Con, elsewhere in Hillsborough County.
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Gorrie-HBAssigned elementary school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
GRADEA
Wilson-HBAssigned middle school · Hillsborough County School District · Grade A (Florida DOE 2025-26)
Plant-HBAssigned high school · Hillsborough County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$1,825,000
450 KNIGHTS RUN AVENUE #1706, TAMPA
3 / 3 bd/ba · 2,663 sq ft · $685/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Apr 2026
$1,595,000
450 KNIGHTS RUN AVENUE #902, TAMPA
3 / 3 bd/ba · 2,357 sq ft · $677/sq ft
Courtesy of AMO REALTY · View details →
Community 12-month median: $615/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$7,329 – $10,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,081 – −$83At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
TAMPA
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: August 14, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 450 KNIGHTS RUN AVENUE #405 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
