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Welcome to one of Seminole Heights' most versatile and character-rich properties. This rare find pairs a 3-bedroom, 1-bath bungalow (1, 420 sqft) with a fully detached garage apartment known as the Treehouse (1-bed/1-bath, 468 sqft), all on a single lot with separate electric and utility meters for each unit. The main home is full of classic Florida craftsmanship. Step inside and you're greeted by preserved original red oak hardwood floors, granite countertops, and a charming breakfast nook that gives the kitchen real warmth. The screened-in back porch has been freshly rescreened, the kind of space made for morning coffee or evening wind-downs. Both units have been freshly painted inside and out, giving the property a clean, move-in-ready feel while the bones and original character remain fully intact. Natural gas is on site, currently serving the water heater. Tucked behind the main house is what the current owners affectionately call the Treehouse, a fully detached 1-bed/1-bath garage apartment at 468 square feet on its own separate electric and utility meters. The garage apartment is currently tenant-occupied with a strong rental history. Income details available upon request. There's also an unfinished utility space currently serving as a laundry room and workshop, completely functional as-is, with room to improve over time. The big-ticket systems are done: brand-new A/C as of July 2025, the roof was replaced in 2020, and updated electrical throughout. The property came through the entire 2024 storm season without damage or flooding. Flood Zone X. No HOA. Location-wise, you're two blocks from the Hillsborough River with walkable access to three pocket parks, all set on the tree-lined streets that define the Seminole Heights experience. Whether you're house-hacking, planning multigenerational living, or quietly building a long-term rental portfolio, this kind of setup is genuinely hard to come by in one of Tampa's most sought-after historic neighborhoods. Schedule your private showing today.
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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 | $335,200 | $335,200 | $335,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.512% | 5.866% |
| Monthly Tax Payment | $69 | $69 | $69 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,008 | $2,091 | $2,761 |
| Total Monthly Payment | $2,152 | $2,235 | $2,905 |
* 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.