904 HARBOUR BAY DRIVE, Tampa, FL, 33602 | $1,100,000

Under contract-accepting backup offers. Urban living meets resort-style island life at 904 Harbour Bay Drive, your new address on Harbour Island. This home delivers something uniquely rare in the Tampa Bay Area: the ease and quiet of a true residential neighborhood paired with immediate, walkable access to downtown Tampa. This TURNKEY townhome lives like a single-family residence, offering a wide, open layout, high ceilings, and abundant natural light throughout.
Located within Harbour Island, one of Tampa’s most desirable GUARD-GATED island communities with 24-hour manned security, this home delivers something uniquely rare in the Tampa Bay Area: the ease and quiet of a true residential neighborhood paired with immediate, walkable access to downtown Tampa. From here, the Riverwalk, Water Street, dining, arts and waterfront amenities are just steps away, allowing residents to enjoy city energy without sacrificing privacy or calm. A rare Harbour Island advantage is guest parking located directly in front of the home, an insider feature that enhances everyday ease and makes entertaining feel effortless.
The main level begins with a welcoming front porch and formal foyer, anchored by a dramatic double-height staircase with a large picture window and modern chandelier. Just off the entry, a flexible room adapts easily as a formal living space, office or sitting room. The circular floor plan connects the kitchen, family room, and dining room, creating natural flow for daily living and hosting without congestion.
Renovated, the kitchen serves as the heart of the home, offering white shaker cabinetry, granite countertops, a GAS RANGE, stainless steel appliances, a pantry and an eat-in nook with statement lighting. A raised breakfast bar opens to the adjacent family room, where a gas fireplace with built-in shelving and large windows create a comfortable, light-filled gathering space. An exterior door leads to a raised paver-stone PATIO with PRIVACY FENCING, extending the living space outdoors.
Upstairs, the primary suite is a true design-forward retreat. REDESIGNED and inspired by elevated Joanna Gaines–style interiors, the SPA LIKE ENSUITE features a freestanding soaking tub, walk-in shower, two separate vanities with quartz countertops, a private water closet, marble-style porcelain tile, and oil-bronze hardware. Two walk-in closets complete the suite. Two additional bedrooms share a Jack-and-Jill bath, each with its own private sink area, while a full laundry room with sink and storage completes the level.
HARD FLOORING RUNS THROUGHOUT THE HOME, including upstairs. Premium lighting, EPOXY-COATED GARAGE FLOORING, soaring ceilings, and large windows reinforce the home’s turnkey appeal and bright, airy feel.
Designed for low-maintenance living, the home offers peace of mind with exterior care and community services handled, allowing residents to focus on lifestyle rather than upkeep. Inside, TWO NEWER AIR CONDITIONING SYSTEMS INSTALLED IN 2025, both under warranty, provide modern efficiency, comfort, and long-term reliability.
Just minutes from Benchmark International Arena, Sparkman Wharf, museums, and downtown Tampa entertainment, this guard-gated Harbour Island townhome offers a lifestyle few neighborhoods can rival: residential calm, walkable urban access, and island living in the heart of the city.

Features

  • Amenities: Gated, Playground
  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Laundry Room, Upper Level
  • Year Built: 2001
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Rear, On Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,357
  • Acreage: 0.06
  • Est. Taxes: $13,256
  • HOA Fee: $1,263 Monthly
  • Elem. School: Gorrie-HB
  • Middle School: Wilson-HB
  • High School: Plant City-HB
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8474609
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /eprop/TB8474609/904harbourbaydrive_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 3/14/2026 10:47:06 AM)
Listing courtesy of KELLER WILLIAMS GULFSIDE RLTY   Phone: 727-489-0800

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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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904 HARBOUR BAY DRIVE, 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** 5.625% 6.000% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.214% 6.145% 5.846%
Monthly Tax Payment $1,105 $1,105 $1,105
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,066 $5,276 $7,249
Total Monthly Payment $6,296 $6,506 $8,479

* 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.