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$689,000

3226 W HORATIO STREET, TAMPA, FL 33609

3D Tour
Active11 days on market

Beds

3

Baths

4

Sq Ft

1,814 sq ft

Year Built

2014

Lot Size

0.02 acres

Garage

1

About This Property

Virtually Staged. Location, Location, Location! This modern end-unit townhome puts you in the heart of it all, just minutes from Downtown Tampa, SoHo, the University of Tampa, and some of the city’s best restaurants and entertainment. Perfect for buyers seeking a low-maintenance lifestyle without sacrificing space, style, or convenience, this home offers high ceilings, wood-look tile, and fantastic storage throughout all three levels. The first floor begins with an extended, air-conditioned garage, providing valuable extra space that could easily double as a home gym. Just inside, a large coat closet creates the perfect drop zone near the entry. Down the hall, a spacious guest suite features two closets and a full bathroom, offering incredible flexibility as a third bedroom, home office, or entertaining lounge. Sliding glass doors open directly to the outdoor patio and fenced backyard—and as the ONLY home in the quadplex with a private fenced backyard, this is a feature you won’t want to overlook! Artificial turf keeps the space attractive while making lawn maintenance a breeze. Upstairs, the second level was designed for gathering and entertaining. The open-concept kitchen, dining, and living areas flow seamlessly together, with plenty of room for a dining table, seating at the island, and a comfortable gathering space for watching the game or relaxing with friends. The kitchen features wood cabinetry, stone countertops, and stainless-steel appliances. In the living room, a Venetian plaster feature wall creates a beautiful focal point, while sliding glass doors open to a private balcony. A conveniently located half bath completes this level. Retreat to the third floor, where you’ll find an expansive primary suite with plenty of room for a king-size bed, additional furniture, and even a cozy reading or sitting area. A large walk-in closet provides generous storage, while the primary bath features a walk-in shower and dual-sink vanity. The laundry is conveniently located between the primary suite and an additional bedroom, which also includes its own full bathroom and walk-in closet. Additional highlights include the home’s desirable X flood zone designation, where flood insurance is not typically required by lenders, and zoning for highly sought-after Mitchell Elementary, Wilson Middle, and Plant High School. With its incredible location, flexible living spaces, private backyard, and low-maintenance lifestyle, this townhome offers a rare combination of convenience and comfort in the heart of Tampa.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #TB8554516
StatusActive
Year Built2014
Stories3
Total Rooms5
ConstructionSIP (Structurally Insulated Panel), Stucco
RoofMembrane
FoundationSlab
FacesNorth
SubdivisionHORATIO SOUTH TWNHMS
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringTile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryUpper Level
WindowsStorm Window(s)
CoolingCentral Air, Zoned
HeatingCentral, Electric
SecuritySecurity System

Exterior & Lot

ExteriorBalcony, Sidewalk, Sliding Doors
FencingVinyl
Lot Size0.02 acres (843 sq ft)
Lot FeaturesCity Lot, Sidewalk
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes
HOA Fee$175 / Monthly
Senior CommunityNo

Financial Details

List Price$689,000
Annual Taxes$6,482 (2025)
FinancingCash, Conventional
ZoningRM-24
Parcel #A2229189UI00000000004.0

Schools

ElementaryMitchell-HB
MiddleWilson-HB
HighPlant-HB

Directions

East on Swann, left on Lincoln, right on Horatio, home on corner of Horatio and Lincoln.

Location

3226 W HORATIO STREET, TAMPA, FL 33609

Listing Information

OfficeSMITH & ASSOCIATES REAL ESTATE
ListedOctober 6, 2026

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Home Price

$689,000

20% ($137,800)
6.75%

Loan Term

Principal & Interest$3,575
Property Tax (est.)$632
Insurance (est.)$150
Total Monthly$4,357
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $689,000 home in TAMPA.

🏦

Conventional

$34,450 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 17, 2026.

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