$425,000
3506 N 12TH STREET, TAMPA, FL 33605
Beds
3
Baths
2
Sq Ft
1,414 sq ft
Year Built
1926
Lot Size
0.13 acres
Garage
—
About This Property
HISTORIC CHARM, BEAUTIFULLY RENOVATED & NO HOA OR CDD! just minutes from Seminole Heights, Historic Ybor City and Downtown Tampa, This updated 3-bedroom, 2-bath Tampa home blends historic character with modern improvements and has been thoughtfully renovated and cared for throughout. The updated kitchen features beautiful soft-close cabinetry, modern finishes and generous functionality, complemented by remodeled bathrooms and updated living spaces. OPPORTUNITY: The existing FHA mortgage carries a 3.99% interest rate and is assumable for a qualified buyer, subject to lender approval and applicable assumption requirements. Application Package ready to go! NO HOA AND NO CDD add to the freedom this property offers. Plumbing and electrical systems in and under the home have been upgraded and permitted, including newer GFCI protection throughout. A separate, PERMITTED and fully air-conditioned flex/office space with over $10,000 invested provides the perfect setting for a home office, studio, gym, workshop or additional flexible space. An approximately $20,000 whole-home Generac generator system adds even more value and convenience. Step outside and discover one of this home's biggest advantages—an expansive, fully fenced and gated backyard offering exceptional privacy and room for a BOAT, RV, multiple vehicles, entertaining and more. Remote/keyless gated entry and a security camera system provide additional convenience and security. Complete with a welcoming wraparound L-shaped porch, this home offers a rare combination of historic character, extensive renovations, permitted improvements, modern conveniences and incredible usable outdoor space. Seller may contribute a portion to the Buyer concessions. RENOVATED HISTORIC HOME • NO HOA • NO CDD • PERMITTED IMPROVEMENTS • GENERAC GENERATOR • FLEX/OFFICE SPACE • SECURITY SYSTEM • REMOTE GATED ENTRY • HUGE PRIVATE BACKYARD. Schedule your private showing today!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Drive north on North 17th St. Left to East Palm Ave. Right to North 15th St. Left to East 28th Ave. Right to North 12th St. Property is on the left.
Location
3506 N 12TH STREET, TAMPA, FL 33605
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$425,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $425,000 home in TAMPA.
🏛️
FHA Loan
$14,875 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
$21,250 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: October 16, 2026.