305 INNER HARBOUR CIRCLE, Tampa, FL, 33602 | $1,100,000

One or more photo(s) has been virtually staged. Live the resort lifestyle in the heart of the city! Located within the highly sought-after
Harbour Bay community on Harbour Island, this beautifully upgraded townhome offers 3
bedrooms, 2. 5 baths, and 2, 435 square feet of living space, all within 24-hour guarded
and gated security.
This two-level home is filled with thoughtful upgrades throughout, including a completely
remodeled kitchen featuring granite countertops, ivory wood cabinetry, stainless steel
appliances, and gas cooking. Additional highlights include plantation shutters
throughout, custom hand-scraped hardwood floors on the main level, and plush
carpeting upstairs.
The open-concept main living area is light and bright, seamlessly connecting the kitchen
to the living space—ideal for everyday living and entertaining. The living room opens to
a private outdoor patio and includes a designated dining nook for casual gatherings. A
separate formal dining room sits just off the kitchen, along with an additional downstairs
flex space perfect for a home office, family room, or playroom. A convenient guest half
bath completes the first floor.
Upstairs, you’ll find the oversized owner’s suite, two additional generously sized
bedrooms connected by a Jack-and-Jill bathroom, and an upstairs laundry room. The
fully remodeled owner’s en suite offers a spa-like retreat with a freestanding deep
soaking tub and a walk-in shower with marble mosaic surround.
Storage is abundant, with walk-in closets in every bedroom featuring custom built-in
organizers, a storage closet under the stairs, and additional storage in the two-car
garage. The outdoor patio provides the perfect space for grilling or relaxing outdoors.
Harbour Island offers unmatched security, privacy, and convenience, just moments from
the award-winning Tampa Riverwalk, Sparkman Wharf, Water Street, and Benchmark
Arena, home of the Tampa Bay Lightning. Enjoy the best of urban living with resort-style
comfort—this exceptional home is not to be missed.

Features

  • Amenities: Gated, Park, Playground, Pool, Recreation Facilities, Security, Trail(s)
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Gas Dryer Hookup, Inside, Laundry Room, Upper Level
  • Style: Traditional
  • Year Built: 2001
  • Garage: 2-car Garage Door Opener, Garage Faces Rear, Guest
  • Heating: Central, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 2,435
  • Acreage: 0.05
  • Est. Taxes: $14,137
  • HOA Fee: $888 Monthly
  • Lot Desc: Corner Lot, Flood Insurance Required, FloodZone, City Lot, Near Marina, Near Public Transit, Sidewalk
  • Elem. School: Gorrie-HB
  • Middle School: Wilson-HB
  • High School: Plant City-HB
  • Pet Policy: Dogs OK, Number Limit, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Freezer, Gas Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: TB8468093
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /eprop/TB8468093/305innerharbourcircle_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 3/7/2026 8:02:21 AM)
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE   Phone: 813-839-3800

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

305 INNER HARBOUR CIRCLE, Tampa, FL, 33602

$1,100,000

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 $880,000 $880,000 $880,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.130% 5.984% 5.912%
Monthly Tax Payment $1,178 $1,178 $1,178
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $4,997 $5,206 $7,308
Total Monthly Payment $6,300 $6,509 $8,611

* 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.