1116 SHIPWATCH CIRCLE, TAMPA, FL, 33602
Active1 days on marketListed Aug 16, 2026MLS #TB8536366
About this home
1116 SHIPWATCH CIRCLE
Experience elevated coastal living in this impeccably maintained and beautifully updated Harbour Island townhome, set within a desirable community offering 24-hour gated security. Harbour Homes feels private, peaceful, and tucked away while placing you moments from everything downtown Tampa has to offer. Step inside and you are greeted by abundant natural light, soaring ceilings, and a bright, open layout designed for comfortable everyday living and effortless entertaining. The kitchen opens to the main living area, where new French doors lead to a private deck—perfect for seamless indoor-outdoor living. Thoughtful updates throughout the home include shiplap accent walls, luxury vinyl plank flooring, and an updated powder bathroom conveniently located on the first floor, adding warmth, style, and everyday functionality. Upstairs, the spacious primary suite offers high ceilings, an oversized, custom-designed walk-in closet, and a beautifully remodeled spa-like bathroom, creating a true retreat. The second bedroom also features an en-suite bathroom and a custom designed closet to maximize space and minimize clutter. Enjoy the added benefit of a whole house water softener and upstairs laundry for convenience. Toast the sunset from your private deck while overlooking the neighborhood courtyard, complete with a pavered pathway, peaceful fountain, and lush landscaping. This home is also just steps from the expansive community pool and spa that features a heater/chiller for comfort all year long. A major 2026 community enhancement included the replacement of all roofs throughout Harbour Homes, adding peace of mind, improved protection, and long-term value for homeowners. Nestled in one of Tampa’s most sought-after locations, this home offers effortless access to the city’s thriving downtown scene. The Harbour Island Marina is close by and one of the many benefits of living here is the opportunity to purchase/own a boat slip at the marina. Enjoy a short stroll to Water Street, Amalie Arena, Sparkman Wharf, Channelside, Life Time Fitness, and the Riverwalk, where you will find excellent restaurants, coffee shops, and weekend farmers markets. Arts, culture, sports venues, and the trolley to Ybor City are all nearby. Harbour Homes is a beautifully maintained and landscaped neighborhood with brand new tile roofs, tree-lined streets, and the secure, relaxed lifestyle Harbour Island is known for. This turn-key residence is an exceptional opportunity for anyone seeking easy living in the heart of Tampa. Do not miss your chance to own a home where thoughtful upgrades, beautiful details, and a prime location come together seamlessly.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,321
Sqft
0.04 ac
Lot size
1
Garage
1991
Year built
Two
Levels
$530
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,038 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,038/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+35.9%
$/sqft vs Tampa actives
$530 vs $301
Days on market
1 vs 42 typical
Where $530/sqft sits among the 400 Tampa actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33602 — neighborhood snapshot
Population
19,694
Median age
35.2
Median income
$88,569
Median home value
$560,400
Avg household
1.78
Households w/ children
1,289
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $438K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
226 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1116 SHIPWATCH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$850,000
1123 SHIPWATCH CIRCLE · same community
2 bd · 2.5 ba · 1,760 sqft · $483/sqft · 130 DOM
Sold · Apr ’26$780,000
1119 SHIPWATCH CIRCLE · same community
3 bd · 2.5 ba · 1,845 sqft · $423/sqft · 136 DOM
Sold · Jun ’26$835,000
602 SEABREEZE COURT · same community
3 bd · 3.5 ba · 2,039 sqft · $410/sqft · 91 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jhony Hung Zheng
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1116 SHIPWATCH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1116 SHIPWATCH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jhony's phone and CRM.
Straight answers
1116 SHIPWATCH CIRCLE FAQs
What would the monthly payment be for 1116 SHIPWATCH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,038/mo — principal and interest, the actual property-tax bill, the $534/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1116 SHIPWATCH CIRCLE?+
The association fee works out to $534 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1116 SHIPWATCH CIRCLE?+
The most recent tax bill on record (2025) was $3,653. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1116 SHIPWATCH CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tampa?+
At $699,900, this home is listed about 56% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1116 SHIPWATCH CIRCLE?+
Gorrie Elementary School (elementary), Wilson Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Plant High School (high) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$699,900 runs 19% above the TAMPA 33602 median.
02Know the monthly fee
The association fee is $534/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 1 day on market in a Tampa market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Gorrie Elementary School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School, Plant High School — Gorrie Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Jill Neuman. MLS #TB8536366.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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