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About this home
8839 Richmond St is a home in Florida Garden Lands Rev M, Gibsonton. Flood zone X - AE - outside the FEMA high-risk areas, which keeps insurance manageable.
Rare Flood Zone X waterfront acreage, private and secluded, yet minutes from I-75. Nearly 5 of this property's 7.32 acres sit in FEMA Flood Zone X, and it has roughly 420 feet on scenic Bullfrog Creek. High, dry land and real waterfront rarely come together in the Tampa Bay area, and after recent hurricanes that matters for both insurance costs and peace of mind. A long private drive leads to a wooded homesite shaded by mature oaks, while 2.5 acres of park-like lowland with an AE flood zone that runs along the creek only. There's room for a main home, guest house, workshop and space for everyone: a private family compound where you can kayak, fish and watch the wildlife from your own bank, yet still reach AdventHealth, shopping, US-301 and I-75 in minutes. Electric, County water, private well, sewer, and septic are already in place, so you can plan and build sooner. Current zoning is AR. The county's Future Land Use Map designates the property Residential-6, which allows up to six units an acre. That gives you a private waterfront retreat today, with room to grow for tomorrow. Buyer to verify all zoning, flood and wetland information with Hillsborough County.
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$799,000
Time on market
665 days
Monthly payment
About $4,871/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,653 annual tax bill, insurance.
Flood zone
Zone X - AE
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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