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This updated Temple Terrace single family home and detached guest house sit on a spacious quarter-acre-plus lot, allowing you to enjoy a quieter pace just minutes from the Hillsborough River and a short walk from Rotary Riverfront Park, yet close to Tampa proper for the best of both worlds.
The detached guest house adds 432 square feet of fully independent living space: its own bedroom, walk-in shower bath, kitchen with full appliances, and private entrance. Live in the main home and offset carrying costs, or run both units. With USF, Moffitt Cancer Center, and the University Mall corridor minutes away, rental demand at this address is structural, not speculative. No minimum lease period means how you use it is entirely up to you.
Inside the main home, fresh LVP flooring runs through an open living and dining layout anchored by French doors that pull you straight out to the covered screened lanai. The kitchen has solid surface counters, a breakfast bar, and good flow into the main living area. Two bedrooms plus a bonus storage/inside utility give the floor plan real flexibility. The primary and second bedroom each run 12 by 12, and the updated bathroom delivers a new vanity, fresh lighting, and subway tile finishes without feeling rushed. The 12-by-13 laundry room adds a utility footprint most Tampa homes at this price don't offer.
Step outside and the lot expands the story. A backyard pond and mature landscaping give this yard a private, subtropical character that's rare inside the city limits. The property sits in Flood Zone X, so no flood insurance is required. The fire pit anchors a natural gathering space, and the 22-by-10 screened lanai keeps the outdoor season running year-round. At 0. 28 acres on a 90-by-136 lot with no HOA and RV parking on site, there is genuine room to expand — pool, garage, workshop — the land is already there for it.
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Our Executive Mortgage Banker:
Our Insurance Division:
$369,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $295,200 | $295,200 | $295,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.933% |
| Monthly Tax Payment | $221 | $221 | $221 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,770 | $1,842 | $2,451 |
| Total Monthly Payment | $2,066 | $2,138 | $2,747 |
* 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.