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$499,000

101 S 12TH STREET UNIT 402, TAMPA, FL 33602

Active0 days on market

Beds

Baths

Sq Ft

1,047 sq ft

Year Built

2004

Lot Size

—

Garage

About This Property

Experience true urban living in the heart of Tampa's Channelside District. This unique corner loft offers 1 bedroom, 2 bathrooms, soaring ceilings, exposed concrete finishes, and oversized windows that flood the home with natural light while showcasing views of Channelside and the cruise ships as they arrive in port. The open concept living space features a modern kitchen, spacious living area, and an industrial design that gives the home character you won't find in a typical condo. Upstairs, the loft style primary suite overlooks the main living space, creating a bright and open feel throughout. One of the standout features of this condo is the rare combination of two designated parking spaces, a private storage unit, and two full bathroom - amenities that are hard to find in downtown living. Victory Lofts also offers a resident fitness center, and you're just steps from some of Tampa's best restaurants, coffee shops, bars, Water Street, Sparkman Wharf, Benchmark International Arena, the Tampa Riverwalk, and everything the Channel District has to offer. Whether you're looking for a full-time residence, second home, or lock and leave city retreat, this loft delivers the perfect combination of style, convenience, and location.

Property Overview

Property TypeResidential

Sub TypeCondominium

MLS #TB8527959

StatusActive

Year Built2004

Stories2

Total Rooms3

ConstructionBlock

RoofMembrane

FoundationSlab

FacesWest

SubdivisionVICTORY LOFTS A CONDO

CountyHillsborough

OwnershipCondominium

Interior Features

InteriorCathedral Ceiling(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, PrimaryBedroom Upstairs, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringConcrete

AppliancesDishwasher, Dryer, Exhaust Fan, Microwave, Refrigerator, Washer

LaundryInside

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorBalcony, Storage

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

Senior CommunityNo

Financial Details

List Price$499,000

Annual Taxes$7,140 (2025)

FinancingCash, Conventional

ZoningCD-3

Parcel #A19291979H000000V0402.0

Directions

North on 12th and left on Whiting

Location

101 S 12TH STREET UNIT 402, TAMPA, FL 33602

Listing Information

OfficeKELLER WILLIAMS TAMPA CENTRAL

ListedJuly 13, 2026

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Home Price

$499,000

Down Payment20% ($99,800)

Interest Rate6.75%

Loan Term

Principal & Interest$2,589

Property Tax (est.)$457

Insurance (est.)$150

Total Monthly$3,197

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How to Buy This Home

Multiple financing options available for this $499,000 home in TAMPA.

🏦

Conventional

$24,950 Down

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

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.

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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 13, 2026.