Summers Cay
Homes for Sale in Thonotosassa, FL
All 61 homes for sale in Thonotosassa, FL · median $495,000 · 56 homes for sale in 33592 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Summers Cay in Thonotosassa, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $415,000, $220 per square foot, a median 95 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2022 - 2023; 5 of 5 report an HOA (median $126/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 50 ft). At the median price and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $6,530 ($5,900 with the full homestead exemption).
Summers Cay right now
🟢 Buyer-leaning market. 8.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (2 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Summers Cay market snapshot (as of September 20, 2026): the median sale price is about $415K ($220 per sq ft over the trailing 12 months of closed sales), a median 96 days on market for closed sales, and 8.0 months of supply, a buyer-leaning market.
In ZIP 33592 (Thonotosassa), 80 homes closed in the last 12 months at a median of $670K ($229/sq ft), down 5.4% year over year, with a median 41 days on market. Right now 18 active and 5 pending listings put supply at about 8.0 months - a buyer's market. See the live ZIP 33592 housing market and the Hillsborough County market.
Summers Cay is a community of 47 homes in Thonotosassa, Hillsborough County, built between 2022 and 2023 (median 2023.0), with a median living area of about 2,433 square feet. 62% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Summers Cay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Summers Cay
Summers Cay
Summers Cay
Summers Cay
Summers CayPhotos from Stellar MLS listings in Summers Cay; content deemed reliable but not guaranteed.
Homes For Sale Right Now in Summers Cay
Live MLS inventory for Summers Cay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Summers Cay listings as of 2026-10-19, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026. Tap any home to ask about it.
Summers Cay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hillsborough County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Summers Cay listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Summers Cay address.
The Summers Cay buying strategy.
If we were buying in Summers Cay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Summers Cay.
A closer look at the Summers Cay market
At a median of $220 per square foot, Summers Cay prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 8.0 months of supply, a buyer-leaning market. Homes that do trade take a median 96 days on market, useful leverage on any listing that has lingered.
The housing stock is 47 homes built between 2022 and 2023, and 62% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Summers Cay. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Summers Cay buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.6). Basis: Liquidity & Demand 8.0 months of supply; Owner Commitment 62% owner-occupied; Pricing Power 93.5% sale-to-list. Refreshed with each data update.
What it really costs to own in Summers Cay
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $126/month across 5 MLS listings (most billed monthly; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2023 across 5 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Summers Cay
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Summers Cay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Summers Cay will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $126/month (about $1,512/yr) · median of 5 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $126 per month ($1,512 a year) - the median AssociationFee across 5 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Summers Cay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Summers Cay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summers Cay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summers Cay home worth?
Get a no-obligation home value based on real comparable sales in Summers Cay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Thonotosassa →
Last 30 days in Summers Cay: 1 closed sale (median $405,000). As of October 24, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Recently off market in Summers Cay
Homes in Summers Cay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 9553 Summers Cay Circle · off market
| Location | Thonotosassa, Hillsborough County, FL · ZIP 33592 |
|---|---|
| Homes in the community | 47 (FL DOR 2025 assessment roll) |
| Years built | 2022–2023 (median 2023.0) |
| Typical living area | 2,433 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Community Mailbox, Park |
| Sale prices, last 12 months | $415,000 median across 4 closed sales · $220 per sq ft |
| Days on market (closed sales) | 95 median |
| For sale right now | 2 active, 0 pending · median asking $445,000 · 8.0 months of supply |
| Owner-occupied (homestead) share | 62% |
| Zoned public schools | Hillsborough County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Summers Cay key facts,” movewithmomentum.com/neighborhoods/summers-cay, data as of September 20, 2026.
Housing distress & ownership in Summers Cay, Thonotosassa
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Summers Cay Right Now (1)
All 1 active and pending Summers Cay listings with a detail page, newest first, refreshed twice a day from the MLS.
- 9644 Summers Cay Circle · $439,900 · 4 bd / 2.5 ba · listed by Trinity Luxe Realty Inc
Recently sold in Summers Cay
- 9553 Summers Cay Circle · sold $405,000
- 9547 Summers Cay Circle · sold $345,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Thonotosassa home searches
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- ZIP 33592 housing scorecard
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Thonotosassa guides & data
- Market data
- Property taxes (Hillsborough County)
- Homestead exemption (Hillsborough County)
- Home insurance cost
- New construction
- New construction (Hillsborough County)
- Home builders (Hillsborough County)
Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Summers Cay Circle (30 homes on record)
16% of homes for sale in ZIP 33592 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-23).
Frequently Asked Questions
What is the median home price in Summers Cay?
How long do homes in Summers Cay take to sell?
Is Summers Cay a buyer's or seller's market right now?
How many homes are in Summers Cay?
What share of Summers Cay is owner-occupied?
When were the homes in Summers Cay built?
What schools serve Summers Cay?
Who is the best real estate agent for Summers Cay?
How do I find a top Thonotosassa real estate agent who knows Summers Cay?
Can Momentum Realty connect me with an agent for Summers Cay?
Where is Summers Cay, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 19, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 33592)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2022 (15 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Summers Cay fits the bigger picture — live prices, inventory, and Momentum Scores:
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