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Overview

3 bd3 ba1,600 sqftTownhouse
TypeTownhouse
HOA$305/mo
Built1981
Lot1,884 sqft
Living area1,600 sqft
Price / sqft$172

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenPrimarybedroom UpstairsThermostatSidewalkDeed RestrictionsSidewalksRefrigerator

14809 Winding Creek CT is a 1981-built home in Settlers Pte Sec C & D, Tampa. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,600 square feet of living space. Listed at $275,000 (about $172/sqft), 117 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $305 monthly.

From the listing

Welcome to this beautifully updated end-unit townhome tucked away in a quiet, hidden enclave in the heart of Tampa. Offering approximately 1,600 square feet of living space, this home lives more like a single-family residence than a typical townhome, with spacious rooms, multiple living areas, private outdoor space, and minimal through traffic in the neighborhood. Inside, you'll find a stunning renovated kitchen featuring quartz countertops, stainless steel appliances, abundant cabinetry, and plenty of space for cooking and entertaining. Luxury vinyl plank flooring flows throughout the main living areas, while a convenient half bath downstairs is perfect for guests. Upstairs, brand-new carpeting, updated fixtures, and refreshed bathroom vanities create a move-in-ready feel. The oversized primary suite offers exceptional space along with two closets, while the additional bedrooms provide flexibility for guests, or a home office. One of the home's standout features is the approximately 200-square-foot screened lanai with a storage room, providing the perfect place to enjoy your morning coffee or unwind in the evenings. Just beyond the patio is a large open green space that continues everywhere throughout the community, something rarely found in townhome communities, ideal for pets, outdoor activities, or simply enjoying the outdoors. Additional highlights include two assigned parking spaces, a low HOA, and a desirable end-unit location with expansive grassy areas and little to no driveby traffic. Conveniently located just minutes from USF, major highways, shopping, restaurants, grocery stores, schools, and everyday conveniences, this property offers an exceptional combination of space, privacy, location, and value. Seller may consider owner financing for qualified buyers with ample down payment funds.

The essentials

Built
1981
Price / sqft
$172
On market
117 days
Annual tax
$4,014
HOA
$305/mo
Flood zone
X · Low risk
Lot
1,884 sqft
Type
Townhouse

At a glance

Townhouse
Built 1981
1,884 sqft lot
Lot size
1,600 sqft
Living area

Payment

Est. monthly payment
$2,211/mo
Down payment (20%)
$55,000
Property taxes
$335/mo
HOA
$305/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1981
Lot
1,884 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
117
Ceiling Fans(s)
Eat-in Kitchen
Primarybedroom Upstairs
Thermostat
Sidewalk
Deed Restrictions
Sidewalks
Refrigerator
Flood Zone X
Annual Tax (2025)
$4,014
Parcel #
U-36-27-18-0SF-000007-00004.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Settlers Pte Sec C & D
County
Hillsborough
MLS Area
33613 - Tampa
Lot Size
1,884 sqft
HOA
$305/mo
Elite Property Management

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #TB8516906
$275,000-8.3%
$172/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #TB8516906
$300,000
$188/sqft

Neighborhood

14809 Winding Creek CT
Tampa, FL, 33613 · 33613 - Tampa

Market insights

Offer Insights

Choose an offer strength

List price: $275,000
$272,500 – $275,000
99.5% – 100% of listTops out right at the list price
80% of listList price
58 of the last 101 townhouse or villa closings in Tampa landed at this number or higher (57%). The median one sat 32 days before it went under contract, and this one is on day 117 after a $25,000 cut.

Sample: 101 closed townhouse or villa sales in Tampa over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,211/mo
Principal & interest$1,434
Property taxes$335
Insurance$138
HOA$305
Down payment20% · $55,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. 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

$275,000

$172 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,600 sq ft

Time on market

117 days

Year built

1981

Monthly payment

About $2,211/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,014 annual tax bill, insurance, and the $305/mo HOA fee.

HOA fee

$305/mo

Managed by Elite Property Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byFRANK ALBERT REALTYListing agent: Frank AlbertListing data from Stellar MLS, MLS# TB8516906.

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