9901 Bay Drive, FL9901 Bay Drive, FL9901 Bay Drive, FL
Stellar MLS
1 / 67

$910,000

9901 Bay Drive

Gibsonton, FL 33534

Listing updated: June 12, 2026 at 3:05 PM ET

Active
Stellar MLSListing courtesy of Keller Williams Realty- Palm H · Brandon Rimes · MLS #TB8484022 · Active · 727-772-0772
4
Beds
3
Baths
3,460
Sq Ft
0.18
Acres
1983
Built
WaterfrontWater accessFireplace$263/sqft360° tour
Single Family Residence

Property type

1983

Year built

8,100 sqft

Lot size

$263

Price / sq ft

No HOA

HOA dues

87

Days on market

2

Garage spaces

AE

Flood zone

About this home

Welcome to a spectacular waterfront retreat on the Alafia River, where privacy, breathtaking views, and exceptional boating access come together to create the ultimate Florida lifestyle. Enter through your private gated entrance and discover a serene riverfront property perfectly positioned on the wide section of the Alafia River between Hwy 41 and I-75, offering sweeping water views and direct access to adventure. This 4-bedroom, 3-bathroom home is thoughtfully designed to capture the beauty of the river from nearly every space. The home features two levels of living, with the lower level constructed of solid concrete block and the upper level crafted in cedar, blending durability with timeless character. Enjoy sunrise and sunset views from two expansive 40x13 screened porches, or unwind from the covered dock and extended open fishing and sun deck overlooking the water. Inside, the open floor plan is highlighted by a dramatic cathedral ceiling in the great room and a stunning stone fireplace, creating a warm and inviting gathering space. The chef inspired kitchen is designed for both entertaining and everyday living, showcasing granite countertops, new cabinetry, a large center island, tile backsplash, and quality stainless-steel appliances. French doors lead directly to the screened porch, making indoor-outdoor living effortless. The owner’s suite is a true sanctuary, offering peaceful river views. Featuring a huge walk-in closet with built in shelving, a window overlooking the water and a spacious en-suite complete with a water closet, dual granite vanities, a Jacuzzi soaking tub and a large ‘custom tiled’ walk-in shower. The oversized laundry room adds both function and convenience, featuring abundant cabinet storage and a granite countertop workspace, making everyday tasks easy and organized. Two additional bedrooms are thoughtfully positioned for privacy. The lower level features beautiful Saltillo tile flooring, a large family room opening to another screened porch, and a private guest suite with an adjoining spacious room and nearby full bath, making it perfect for visitors, extended family, or flexible living space. Adding tremendous value, the entire downstairs HVAC system was completely replaced in June 2026!! Step outside to your private waterfront playground. The covered dock with electric boat lift and additional swim deck are ideal for launching kayaks and paddleboards or heading out for a boat ride to Tampa Bay and waterfront restaurants. Spend your days fishing, crabbing, or watching dolphins, manatees, and abundant birdlife right from your backyard. Additional features include gas cooking, smart light switches, double-hung hurricane windows and doors, whole-house water filtration system, tankless gas water heater, dual AC units, LED lighting throughout, 2-inch wood blinds, and generous storage including an air-conditioned storage room. Conveniently located, you are 10 minutes by boat to Tampa Bay and about 20 minutes to the Sunshine Skyway. By car, you are about 30 minutes to Tampa International Airport, and about 45 minutes to the beautiful Sarasota and Bradenton beaches via I-75. Situated on a spacious corner lot with room for boats, kayaks, paddleboards, and RV parking, this extraordinary Alafia River waterfront gem offers the perfect balance of luxury, recreation, and tranquility—a rare opportunity to experience the very best of Florida riverfront living.

Local Insight

At $263 per square foot for a waterfront property in an AE flood zone, you're paying a premium that likely reflects the bay access, but you'll need to factor in flood insurance costs and elevation requirements that could be substantial on a 1983 home. The 0.18-acre lot is tight for the price point, so this is really banking on water views and access rather than land value, which means resale depends heavily on maintaining that waterfront appeal. Given the age and flood-zone location, get a thorough inspection focusing on foundation, roof condition, and any prior flood damage history before committing.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$4,601
Property taxes$785
Home insurance (est.)$417

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history87 days on market

  1. Status: Active
    Mar 17, 2026
  2. Listed$960,000
    Mar 17, 2026
  3. Price reduced$910,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
87
Subdivision
Armstrongs Riverside Estates
County
Hillsborough
Year built
1983
Living area
3,460 sq ft
Price/sq ft
$263
Building area
5,460 sq ft (Public Records)
Lot size
8,100 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12057C0501J)
Garage
2 spaces
Annual taxes
$9,418 (2025)
Parcel #
U-24-30-19-1RE-000000-00001.0
Zoning
RSC-6
MLS #
TB8484022

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Your question is private and goes only to Ryan — it is never published on this page.

Interior Details

Bedrooms
4
Full bathrooms
3
Flooring
Luxury Vinyl, Tile
Appliances
Dishwasher, Range, Range Hood, Refrigerator
Interior features
Ceiling Fans(s), Vaulted Ceiling(s), Walk-In Closet(s)
Laundry
Laundry Room
Stories / Levels
Two
Direction faces
East
Fireplace
Yes

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Boat, Garage Door Opener, Parking Pad, RV Access/Parking

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Balcony, French Doors, Rain Gutters, Sliding Doors
Construction materials
Block, Cedar, Frame
Roof
Metal
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Septic Tank
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Electricity Connected, Water Connected

Schools

ElementaryGibsonton-HBGreatSchools ↗
MiddleDowdell-HBGreatSchools ↗
High SchoolEast Bay-HBGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomSecond26x21
KitchenSecond10x12
Primary BedroomSecond17x14
Bedroom 2Second12x12
Bedroom 3Second12x11
Bedroom 4First12x10
Great RoomFirst22x26
Dining RoomSecond10x12

Listing Details

Listing date
2026-03-16
On market date
2026-03-17
Original list price
$960,000
Occupant type
Owner
MLS area
33534 - Gibsonton
Listing AOR
Suncoast Tampa
Status changed
2026-03-17
Tax legal description
ARMSTRONG'S RIVERSIDE ESTATES UNIT NO 1 LOT 1

Flood risk

High riskFEMA Zone AEPanel 12057C0501J

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Take exit 250 to west (right) on Gibsonton Drive, Turn right onto Peninsula Dr, turn left onto Bay Drive to dead end to address.

More homes like this

MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 12, 2026 at 3:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA