1123 SHIPWATCH CIRCLE, Tampa, FL, 33602 | $875,000

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Harbor Homes Community of Harbour Island! Your paradise awaits in the heart of Tampa located in the 24-hour gated community of Harbour Island. The perfect Lifestyle awaits you in this Mediterranean style corner/end home with two bedrooms plus a loft area used as an office, two bathrooms upstairs, 2-car oversized garage on waterfront (Sparkman Channel), surrounded by lush landscape with a private side entry that captures your imagination of what's inside. Current owner's created an incredible open floor plan that combines casual elegance with enhanced outdoor entertainment area on the oversized composite engineered deck. The floor plan has open views of water from every area of the downstairs with an updated kitchen that offers a wonderful island with marble counter that seats four, large stainless steel basin sink with designer faucets, the cabinetry has pull-out shelves that adds to your convenience and has a microwave hidden in the cabinets. A creative feature is the wine cabinet that stands between the kitchen and dining area. It will keep your wines cool and possibly use the bottom cabinet for a humidor or your favorite bottles. A nicely appointed half bathroom next to the updated stairwell that has featured crown molding and wainscotting. The downstair areas have crown molding, chair-rail, two tone designer paint color, battery operated shades, window treatments, alarm system with glass break, HVAC's (2024) with UV Lights on Handlers, home surge protector, LED lighting throughout and smart phone wired. Additional features are the matching lighting in dining area and pendants over the kitchen island, recessed lighting to include under counter lights that enhance the overall experience of the kitchen. Imagine anytime of the day enjoying light bright, airy views of the water a spectacular lifestyle with all the location has within walking distance. On to the upstairs where a guest room is large and may be considered a second master with walk-in closet that has built-ins a barn door on order and a bathroom with dbl vanities, garden tub and a separate shower. As we move to the Primary you will pass a very nice niche area that was used as an office space, has cabinets for storage. The Primary bedroom is large with an area that may be used for additional seating or exercise equipment with wonderful views of the channel, the windows have plantation shutters that more than likely will remain open to enjoy the sunshine and tropical landscape. A spacious walk-in closet accessed through barn doors has built-ins to keep you organized. The ensuite has dual sinks, garden tub and a separate area for the walk-in shower and toilet. Additional enhancements are the wood floors with porcelain marble style floors in the bathrooms, water filtration system, you have fios and spectrum wired, electric vehicle station in garage, additional storage in garage area, impact rated doors that lead to the oversized deck surrounded by lush tropical landscape with the beautiful view of the water. You want Lifestyle and Location! this is the one for you within walking distances to upscale restaurants, Benchmark International Arena, Riverwalk, Sparkman Wharf and so many nice areas that will add to your quallity of life. Seller's advised Buyer's will have a new Roof Replacement in 2026 Special Assessment paid by Sellers.

Features

  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Mediterranean
  • Year Built: 1993
  • Garage: 2-car Driveway, Ground Level, Guest
  • Heating: Central, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 1,760
  • Acreage: 0.07
  • Est. Taxes: $11,029
  • HOA Fee: $487 Monthly
  • View: Water
  • Elem. School: Gorrie-HB
  • Middle School: Wilson-HB
  • High School: Plant-HB
  • Pet Policy: Number Limit
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System
  • MLS#: TB8444172
  • Days on Market: 130 days
  • Website: https://www.raveis.com
    /eprop/TB8444172/1123shipwatchcircle_tampa_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/27/2026 3:32:07 PM)
Listing courtesy of KELLER WILLIAMS TAMPA PROP.   Phone: 813-264-7754

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1123 SHIPWATCH CIRCLE, Tampa, FL, 33602

$875,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $700,000 $700,000 $700,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.385% 6.223%
Monthly Tax Payment $919 $919 $919
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,141 $4,310 $5,907
Total Monthly Payment $5,152 $5,321 $6,918

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.