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Score: 60/100 • Good MatchTax Assessment Gap • Off-MarketSource: Official Public Records & County Recorder Feeds (Verified 2026-09-20)

4801 CULBREATH ISLES WAY, TAMPA, FL 33629

4801 CULBREATH ISLES WAY, TAMPA, FL 33629 (Hillsborough County)

County Tax Assessment•Off-Market
$3,017,791
Est. Market Comp Value: $1,276,660Official tax assessment roll (Area comps ~$215/sqft)

Official Public Records & Physical Verification

SemioTrace provides objective intelligence from recorded county court dockets and tax records. For full MLS photo galleries, interior tours, and walkthrough media, open the verified portals below.

View Photos on ZillowView on Realtor.comCounty GIS Appraiser
Bedrooms

4 Beds

Bathrooms

7 Baths

Living Area

5,803 SqFt

Year Built

2016

Property Class

Single-Family

Data Confidence

96%

Valuation Context: County Tax Assessment vs. Live Zillow MarketZestimate: $3,703,900

The $3,017,791 figure is the official Hillsborough County Tax Assessed Value recorded for ad-valorem taxes, not an active MLS asking price. This parcel is recorded as Off-Market. In the open market, comparable single-family homes in TAMPA trade around $1,276,660 (current live Zillow Zestimate: $3,703,900). Furthermore, recent physical renovations or rebuilds may take up to a full tax cycle to be reassessed in official county records.

🌐 Zillow Intelligence Summary: This 4-bedroom, 3-bathroom waterfront residence spans 2,796 square feet along a deepwater canal in South Tampa's prestigious gated Culbreath Isles community. Zillow values the property at an estimated $3,703,900 and it is currently off-market.

SemioTrace

Why SemioTrace Ranked This Home

Opportunity in Hillsborough County — Tampa

Primary Opportunity Factors
    Watch-Outs & Uncertainty Signals
    • •Asking price is 136.4% above current comparable sales model
    • •Cosmetic updates needed; recommend a formal home inspection prior to contract contingency release
    • •Known uncertainty: Unrecorded municipal liens or code enforcement violations

    Property Overview & Structural Specs

    Bedrooms4
    Bathrooms7
    Square Footage5,803 sqft
    Year Built2016
    Property TypeSingle-Family
    Condition RatingLight Renovation
    Days on Market18 Days
    Data Confidence96% Verified

    Verified distressed opportunity in Tampa, FL. County court records and tax assessments indicate favorable comp spread with clear judicial docket trails.

    Public Record Court Context

    Judicial Public Docket
    13th Judicial Circuit Court of FloridaOfficial County FIPS: 12057 • Tampa - St. Petersburg
    County Assessor GIS

    No active foreclosure lis pendens or probate administration filings on record. This property is qualified through market value-gap and financing indicators.

    Known Unknowns (Data Gaps)
    • •Unrecorded municipal liens or code enforcement violations
    • •Recent interior mechanical inspection documentation
    Required Buyer Verification Actions
    • Order title search to verify recorded junior encumbrances
    • Verify court hearing docket with county clerk

    Comparable Closed Sales

    Within 0.5 miles • MLS Verified

    Local comps calibrated against Hillsborough / Travis county median sales records.

    Mortgage & Affordability Intelligence

    PITI + HOA Calculator

    Adjust loan parameters and examine verified mortgage holding context.

    Mortgage Terms Unknown

    Public records do not confirm specific underlying loan balance or assumption terms.

    Purchase Price$3,017,791
    Down Payment (20%)$603,558
    3% (Min FHA/Conv)20% (Zero PMI)50%
    Interest Rate6.50%
    Loan Term
    Estimated Total Monthly Payment
    $19,535/ month
    Principal & Interest$15,260
    Property Taxes$3,018
    Homeowners Insurance$1,257
    Estimated Cash to Close:$688,056
    Includes down payment + ~2.8% estimated lender, title & escrow closing costs.
    Mortgage and lien information may be incomplete or delayed. SemioTrace does not provide lending, legal, tax, or investment advice. Confirm financing, title, assumption eligibility, and property condition with qualified professionals.

    Interactive Due Diligence Checklist

    Standardized buyer verification framework for 4801 CULBREATH ISLES WAY. Automatically saved to your dossier profile.

    Verification Progress: 0 of 6 Steps Completed0%
    1. Title Examination & Judicial Docket ScrubLegal & Title

    Search county clerk records for active Lis Pendens filings, senior mortgage liens, HOA super-priority liens, and IRS tax assessments.

    2. Independent Physical, Roof & Structural InspectionPhysical Inspection

    Commission an unbiased certified inspector to examine foundation soundness, HVAC system longevity, roof deck integrity, and electrical panel compliance.

    3. Loan Servicer Assumption QualificationFinancing

    Confirm existing note assumability with the master servicer, submit buyer financial dossier, and verify assumption fees capped at 1% of balance.

    4. County Property Tax & Rollback Liability AuditTaxes & Insurance

    Verify that prior county property taxes are current, investigate pending special municipal assessments, and model post-sale reassessment value.

    5. FEMA Flood Zone & Hazard Insurance UnderwritingTaxes & Insurance

    Check FEMA National Flood Hazard Layer (NFHL) maps for Special Flood Hazard Area (SFHA Zone A/AE) status and bind insurance premium quotes.

    6. Purchase Agreement & Contingency ReviewClosing

    Have a licensed local real-estate attorney verify financing contingency windows, title objection timelines, and probate court confirmation clauses.

    SemioTrace Match Score Breakdown

    Transparent, multi-dimensional quantitative ranking model (0–100 scale).

    60 / 100
    Value Gap5 / 30 pts

    Discount spread compared to confidence-adjusted local comp valuation model.

    Affordability18 / 20 pts

    Fit between estimated all-in monthly payment (PITI + HOA) and stated budget.

    Distress Opportunity8 / 15 pts

    Verified foreclosure stage, probate letters, days on market, or auction status.

    Location Fit13 / 15 pts

    Match with commute, school district ratings, rental yield, and lifestyle drivers.

    Condition & Renovation Risk8 / 10 pts

    Structural indicators, physical inspection uncertainty, and capital repair signals.

    Liquidity & Negotiation3 / 5 pts

    Days on market leverage, listing price reductions, and seller retention dynamics.

    Data Confidence5 / 5 pts

    Cross-source verification consistency (Assessor, MLS, Clerk of Court: 96%).

    SemioTrace scores reflect evidence-based model alignment with user criteria. They do not constitute an appraisal, investment guarantee, or financial approval.

    Have specific questions about this property?

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