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4304 BAY CLUB CIRCLE #4304, Tampa, FL, 33607

1beds
1baths
964sqft
$285,500
$296price/sqft
$2,053/moest. monthly cost
$82,120/yrincome needed

About This Home

Enjoy resort-style living in this top-floor condo at Island Club at Rocky Point, a gated waterfront community in Tampa. Inside, easy-care tile flooring runs throughout the main living space, while the kitchen offers stone countertops, ample cabinet storage, and a functional layout for everyday cooking or entertaining. The bedroom features a spacious walk-in closet and treetop views through a large picture window, while the screened balcony offers a peaceful spot to relax, unwind, and enjoy the Florida breeze. A deeded private garage plus two additional assigned parking spaces provide exceptional convenience and are a rare find for a condo in this price range. The community itself is a standout, featuring a heated saltwater pool and spa overlooking the bay, fitness center, clubhouse, and community dock with direct kayak and paddleboard access. Palm trees, waterfront views, and beautiful sunsets create the perfect Florida backdrop. Just outside the gates, the Courtney Campbell Trail offers miles of scenic waterfront paths for walking, running, and cycling. Location is another major advantage. You’re just minutes from Tampa International Airport, making travel and out-of-town guests especially convenient. International Plaza & Bay Street, one of Tampa’s premier shopping and dining destinations, offers upscale retailers, restaurants, and entertainment nearby. The Westshore Business District, one of the region’s largest business and employment centers, is also just minutes away and home to major corporate offices, hotels, dining, and everyday conveniences. Downtown Tampa, waterfront dining, professional sports and entertainment, and the Gulf Coast beaches are all within an easy drive. Whether you're looking for a low-maintenance primary residence or a seasonal escape, this Rocky Point condominium offers a combination of location, amenities, and convenience that's hard to beat.

Getting Around

31
WalkingCar-Dependent
0
TransitNo Nearby Transit
51
BikeBikeable

Schools

5/10
3/10
Webb Middle SchoolGrades 6-82.6 mi
3/10
Jefferson High SchoolGrades 9-123.1 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1997

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood Frame

Type & Style

  • Home type: Condo
  • Architectural style: Mediterranean
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Dryer,Electric Water Heater,Microwave,Range Hood,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Breakfast Bar,No Closet
  • Level: First
  • Area: 156
  • Dimensions: 12x13

Features

  • Built-in Features,Ceiling Fan(s),Chair Rail,Crown Molding,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Stone Counters,Thermostat,Tray Ceiling(s),Walk-In Closet(s)
  • Door features: Outdoor Grill
  • Window features: Window Treatments
  • Flooring: Ceramic Tile,Luxury Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,044
  • Total interior livable area: 964 sqft

Kitchen

  • Features: Stone Counters,Built-in Closet
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Laundry

  • Features: No Closet
  • Level: First
  • Area: 36
  • Dimensions: 6x6

Living Room

  • Features: Built-In Shelving,Ceiling Fan(s),No Closet
  • Level: First
  • Area: 221
  • Dimensions: 17x13

Primary Bedroom

  • Features: Built-In Shelving,Ceiling Fan(s),Walk-In Closet(s)
  • Level: First
  • Area: 143
  • Dimensions: 13x11

Property

Details

  • Parcel number: A14291789G00000404304.0
  • Zoning: RM-24
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: Heated,In Ground,Salt Water
  • Patio & porch: Covered,Rear Porch,Screened
  • Exterior features: Balcony,Lighting,Outdoor Grill,Rain Gutters
  • Has view: Yes
  • View description: Bay/Harbor - Full
  • Has water view: Yes
  • Water view: Bay/Harbor - Full
  • Waterfront features: Bay/Harbor Front,Bay/Harbor Access
  • Waterbody name: TAMPA BAY HARBOUR
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 2 sqft
  • Features: Near Marina,Sidewalk

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage Door Opener,Ground Level,Guest,Open,Oversized
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Cold Wave
Heat Wave
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Hillsborough County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,443$17,316
Home Insurance *$214$2,568
Property Taxes $199$2,388
Electricity $197$2,366
Total$2,053$24,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,388/yr
40% on housing$61,590/yr
45% on housing$54,746/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 33607$239
Hillsborough County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 33607$304
Hillsborough County$231

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$284,000
2026-06-27Price change$285,500
2026-06-05Listed for sale$289,000
2016-02-25Listing removed$1,250
2016-01-05Listed for rent$1,250
2014-05-14Listing removed$1,100
2014-05-04Listed for rent$1,100
2011-11-06Listing removed$1,100
2011-08-25Listed for rent$1,100

For Sale by Agent

AgentJammie Garlock
BrokerageREAL BROKER, LLC

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