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List Price

$7,250,000

5215 Neptune, Tampa, FL 33609

66 days on market

Estimated Payment

$50,202/mo

20% down and current market rates

Bedrooms5 bdBathrooms6 baLiving area5,958 Square FeetYear builtBuilt 2020

Listed by

Robbie Henderson, III

BELL HENDERSON REAL ESTATE

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

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Welcome to a rare waterfront opportunity at the coveted end of West Neptune Way in Beach Park—a Steven Anthony Luxury Homes showcase offering sophisticated design, abundant storage, and resort-style outdoor living. This stunning 5-bedroom, 5.5-bathroom pool and spa home also features a dedicated office, expansive bonus/media room, and covered lanais under roof on both floors, creating exceptional indoor-outdoor living. Thoughtfully positioned to capture western-facing views, the home offers spectacular sunsets over the Tampa skyline and water. Set along one of Tampa’s most desirable waterfront stretches, the home enjoys exceptional street presence with no overhead power lines, attractive street lighting, and beautiful curb appeal. Inside, a thoughtfully designed floor plan features soaring 12-foot ceilings, generous living spaces, and elevated finishes throughout. The chef’s kitchen is equipped with Wolf appliances, Wellborn cabinetry, an oversized walk-in pantry, and separate butler’s pantry, making it ideal for everyday living and entertaining. In the family room, a dramatic floor-to-ceiling tiled wall with a natural gas fireplace and integrated LED lighting creates a striking focal point. Built-in speakers throughout the interior and outdoor living areas enhance the home’s entertaining capabilities. A private first-floor guest suite features an en-suite bath, built-ins, and separate exterior entrance—ideal for overnight guests or extended stays. A dedicated office offers extensive built-in shelving, while a powder bath and laundry rooms on both floors add convenience. Upstairs, additional en-suite bedrooms provide privacy and flexibility, while the impressive bonus/media room features a dry bar and direct access to the second-floor covered lanai. The spacious primary suite is a retreat of its own and includes a private dry bar. An elevator shaft is in place for the option of a future elevator. Storage has been exceptionally well considered throughout. The air-conditioned garage features floor-to-ceiling built-in cabinetry and space for multiple vehicles, including a LiftMaster setup. Additional conveniences include three HVAC systems installed in 2020, two tankless water heaters, a Kinetico water system with purified drinking water, full irrigation, and an owned 22kW Generac whole-house generator.

5215 Neptune, Tampa, FL 33609 in Tampa, FL 33609 is listed for $7,250,000. The home has 5 bedrooms, 6 bathrooms, and 5,958 square feet, and was built in 2020. Listed 66 days ago. The listing is held by BELL HENDERSON REAL ESTATE.

33609 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$59,189 (tax year 2025)

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 the latest published rate.

Illustrative estimate

Loan Program

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

20%

Down payment (20% of price): $1,450,000

$

$50,202/moest.

  • Principal & Interest 78%
  • Property Taxes 10%
  • Insurance 12%
Principal & Interest
$39,228
Property Taxesfrom listing
$4,932
Insurance
$6,042

30-year fixed at 7.164%, as of November 10, 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: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 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 $50,202, 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 $59,189 for tax year 2025. 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 Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR804075260. HomeJam is not the listing broker.

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