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$910,000

9901 BAY DRIVE, GIBSONTON, FL 33534

Active110 days on market

Beds

4

Baths

3

Sq Ft

3,460 sq ft

Year Built

1983

Lot Size

0.18 acres

Garage

2

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About This Property

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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8484022
StatusActive
Year Built1983
Stories2
Total Rooms8
ConstructionBlock, Cedar, Wood Frame
RoofMetal
FoundationSlab
FacesEast
SubdivisionARMSTRONGS RIVERSIDE ESTATES
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Vaulted Ceiling(s), Walk-In Closet(s)
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Range, Range Hood, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorBalcony, French Doors, Rain Gutters, Sliding Doors
Lot Size0.18 acres (8,100 sq ft)
Lot Dimensions135 x 75
Lot FeaturesCorner Lot, Flood Insurance Required, Street Dead-End
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesRiver Front

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$910,000
Original Price$960,000
Annual Taxes$9,418 (2025)
FinancingCash, Conventional
ZoningRSC-6
Parcel #U2430191RE00000000001.0

Schools

ElementaryGibsonton-HB
MiddleDowdell-HB
HighEast Bay-HB

Directions

Take exit 250 to west (right) on Gibsonton Drive, Turn right onto Peninsula Dr, turn left onto Bay Drive to dead end to address.

Location

9901 BAY DRIVE, GIBSONTON, FL 33534

Listing Information

OfficeKELLER WILLIAMS REALTY- PALM H
ListedMarch 17, 2026

Schedule a Showing

How to Buy This Home

Multiple financing options available for this $910,000 home in GIBSONTON.

🏛️

FHA Loan

$31,850 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$45,500 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 5, 2026.

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