Front elevation9901 BAY DRIVE, GIBSONTON, FL 33534
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 12, 2026, 9901 Bay Drive in Armstrongs Riverside Estates, Gibsonton is listed at $870,000 (3,460 sq ft, about $251 per sq ft). It has been 164 days on market. Listing facts: built in 1983, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1983 · 43 yrs
- 3,460 sq ft of living area
- 2-car garage
- 164 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1983BuiltPer public record
- Jul 10, 2026First trackedObserved at $910,000
- Aug 4, 2026Price cut$870,000
- 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.
Estimated monthly payment
- Principal & interest $4,519/mo 78%
- Taxes $761/mo 13%
- Insurance $472/mo 8%
- HOA $50/mo 1%
$5,802/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
48/100 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.
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.
The Momentum read
🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 164 days on market for this home, against a 164-day area median.Days on market:this home 164Area median: 164 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 2022 through 2025. As of September 12, 2026.
🟡 Asking $251 per square foot, about in line with the community’s $251 median. Armstrongs Riverside Estates’s 12-month median sold price per square foot is $251. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in Armstrongs Riverside Estates, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to a spectacular waterfront retreat on the Alafia River, where privacy, breathtaking views, and exceptional boating access come together to create the ultimate Florida lifestyle. Enter through your private gated entrance and discover a serene riverfront property perfectly positioned on the wide section of the Alafia River between Hwy 41 and I-75, offering sweeping water views and direct access to adventure. This 4-bedroom, 3-bathroom home is thoughtfully designed to capture the beauty of the river from nearly every space.
The home features two levels of living, with the lower level constructed of solid concrete block and the upper level crafted in cedar, blending durability with timeless character. Enjoy sunrise and sunset views from two expansive 40x13 screened porches, or unwind from the covered dock and extended open fishing and sun deck overlooking the water. Inside, the open floor plan is highlighted by a dramatic cathedral ceiling in the great room and a stunning stone fireplace, creating a warm and inviting gathering space.
The chef inspired kitchen is designed for both entertaining and everyday living, showcasing granite countertops, new cabinetry, a large center island, tile backsplash, and quality stainless-steel appliances. French doors lead directly to the screened porch, making indoor-outdoor living effortless. The owner’s suite is a true sanctuary, offering peaceful river views.
Featuring a huge walk-in closet with built in shelving, a window overlooking the water and a spacious en-suite complete with a water closet, dual granite vanities, a Jacuzzi soaking tub and a large ‘custom tiled’ walk-in shower. The oversized laundry room adds both function and convenience, featuring abundant cabinet storage and a granite countertop workspace, making everyday tasks easy and organized. Two additional bedrooms are thoughtfully positioned for privacy.
The lower level features beautiful Saltillo tile flooring, a large family room opening to another screened porch, and a private guest suite with an adjoining spacious room and nearby full bath, making it perfect for visitors, extended family, or flexible living space. Adding tremendous value, the entire downstairs HVAC system was completely replaced in June 2026!! Step outside to your private waterfront playground.
The covered dock with electric boat lift and additional swim deck are ideal for launching kayaks and paddleboards or heading out for a boat ride to Tampa Bay and waterfront restaurants. Spend your days fishing, crabbing, or watching dolphins, manatees, and abundant birdlife right from your backyard. Additional features include gas cooking, smart light switches, double-hung hurricane windows and doors, whole-house water filtration system, tankless gas water heater, dual AC units, LED lighting throughout, 2-inch wood blinds, and generous storage including an air-conditioned storage room.
Conveniently located, you are 10 minutes by boat to Tampa Bay and about 20 minutes to the Sunshine Skyway. By car, you are about 30 minutes to Tampa International Airport, and about 45 minutes to the beautiful Sarasota and Bradenton beaches via I-75. Situated on a spacious corner lot with room for boats, kayaks, paddleboards, and RV parking, this extraordinary Alafia River waterfront gem offers the perfect balance of luxury, recreation, and tranquility—a rare opportunity to experience the very best of Florida riverfront living.
Description provided by KELLER WILLIAMS REALTY- PALM H and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided 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
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.
Actual list price: $870,000 — 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 1983 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- 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:
- 1 active listing competing
- ≈6.0 months of supply
- 2 closed here in the last 12 months
For reference, this home is listed at $870,000 ($251/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,460 sq ft × $221–$281/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Similar homes for sale near ARMSTRONGS RIVERSIDE ESTATES
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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by KELLER WILLIAMS REALTY- PALM H · MLS # TB8484022
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Recent sales activity in ARMSTRONGS RIVERSIDE ESTATES
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 ARMSTRONGS RIVERSIDE ESTATES neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on ARMSTRONGS RIVERSIDE ESTATES
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
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.
Buyer research checklist
Items worth confirming for 9901 Bay Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1983 (43 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,460 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $9,135/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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.
Frequently asked questions
How big is 9901 Bay Drive and when was it built?
Per the listing record, 9901 Bay Drive was built in 1983 and has 3,460 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 9901 Bay Drive in?
9901 Bay Drive is in Armstrongs Riverside Estates in Gibsonton, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Armstrongs Riverside Estates from the same MLS data.
Does 9901 Bay Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 9901 Bay Drive differ from the current owner's?
The estimate on this page (about $9,135 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 9901 Bay Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
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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.
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Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.