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List Price

$2,895,000

4054 Rocky Shores, Tampa, FL 33634

249 days on market↓ $200K from original list price

Estimated Payment

$20,696/mo

20% down and current market rates

Bedrooms4 bdBathrooms5 baLiving area4,154 Square FeetYear builtBuilt 2020

Listed by

Stephen Gay

SMITH & ASSOCIATES REAL ESTATE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Experience refined waterfront living in this exceptional luxury home, where resort-style outdoor spaces, elegant interiors, and direct water access come together to create an extraordinary Tampa lifestyle. Set along the water, the property offers a private dock with a 10,000-lb boat lift, a stunning saltwater infinity-edge pool and spa, expansive outdoor entertaining areas, and beautiful water views from throughout the home. The home is built up for peace of mind and experienced no water intrusion or power outages during the 2024 hurricane season. A private Mediterranean-style courtyard welcomes you home with a serene sitting area, water feature, and ambient bistro lighting. Inside, hardwood floors and sophisticated crown molding flow throughout the first floor, creating a cohesive and elevated aesthetic. The formal dining room and family room both feature beautiful tray ceilings, while the living room showcases a gorgeous marble-faced electric fireplace and wonderful pool and water views. At the heart of the home, the chef’s kitchen is both stunning and functional, featuring marble countertops and backsplash, custom drop lighting, and a large island with bar seating and electrical outlets. Stainless steel appliances, a breakfast nook, butler’s pantry, wine refrigerator, and a spacious walk-in pantry complete this exceptional culinary space.

4054 Rocky Shores, Tampa, FL 33634 in Tampa, FL 33634 is listed for $2,895,000. The home has 4 bedrooms, 5 bathrooms, and 4,154 square feet, and was built in 2020. Listed 249 days ago. The price was reduced from $3,095,000. The listing is held by SMITH & ASSOCIATES REAL ESTATE.

33634 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$28,651 (tax year 2024)
HOA fee$440 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $579,000

$

$20,696/moest.

  • Principal & Interest 75%
  • Property Taxes 12%
  • Insurance 12%
  • HOA 2%
Principal & Interest
$15,455
Property Taxesfrom listing
$2,388
Insurance
$2,413
HOA
$440

30-year fixed at 7.03%, as of September 24, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $20,696, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $28,651 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR778210222. HomeJam is not the listing broker.

List Price

$2,895,000

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