Independent research · Public records · Sourced & attributed data
2214 W Dekle Avenue, Unit 1
Tampa, Florida 33606 · Palma Ceia West / South Tampa · MLS #[SAMPLE-001] & [SAMPLE-002]
Report Date
April 22, 2026
List Price
$1,199,000–$1,250,000
Property
3 bd / 3.5 ba / 3,062 sf
Builder
Vantage Custom Homes
Status
Under Construction
Price Alert
Two active MLS numbers for the same address at different prices ($1,250,000 and $1,199,000) — $51,000 discrepancy requires explanation before any offer is written.
SAMPLE REPORT — FICTIONAL PROPERTY · 2214 W Dekle Avenue is a fictional address created for illustration purposes only. All findings shown are representative of the types of issues DisclosureCheck™ surfaces in actual reports. Builder names, MLS numbers, and agent details have been changed.
New construction by a known local builder in one of Tampa's best school districts with no HOA and a probable Flood Zone X designation — these are genuine positives. However, four issues require investigation before proceeding: (1) two conflicting MLS prices at the same address; (2) an adjacent 13-unit Vantage Palms townhouse development at 2220 W Dekle Ave under simultaneous construction; (3) under-construction status creating standard new-build risks around completion timeline and final specifications; (4) the Palma Ceia West location is excellent but materially different from South Tampa's iconic Bayshore corridor — buyers must understand what "South Tampa" means at this specific address.
Before You Read Anything Else
★
Where Is This Property, Really? Verified Location Context
2214 W Dekle Ave — Actual Location Map
Palma Ceia West / Palma Ceia West · Tampa 33606
⚠ Map is illustrative based on verified address coordinates and public street data. Distances are approximate. Verify exact location at maps.google.com before any site visit. "South Tampa" at this address means the South Tampa/Palma Ceia West corridor — distinct from the Bayshore Boulevard waterfront corridor ~2 miles to the southeast.
IMPORTANT CONTEXT
"South Tampa" does not mean Bayshore waterfront at this address
2214 W Dekle Ave is in the Palma Ceia West / Palma Ceia West area — a legitimate and desirable South Tampa location, but approximately 2 miles northwest of Bayshore Boulevard's iconic waterfront promenade. This area borders the South Tampa business district, has direct I-275 access, and is within 0.5 miles of South Tampa Mall. It does not have bay views or walkable waterfront access. City of TampaHomes.com local guide
What you get instead: Plant High School district, no HOA, probable Flood Zone X, quick airport access (2.5 mi), and Vantage Custom Homes' new construction build quality — strong value proposition on its own merits, just set expectations correctly.
Section 1
1
Property Profile & Public Record Overview
Status
New Build
Under construction · Vantage Custom Homes
Size
3,062
sq ft · 3-story duplex unit
Beds / Baths
3 / 3.5
Guest suite on floor 1
Garage
2-car
Private backyard
HOA
$0
No HOA confirmed
List Price
See below
Two prices — verify
CRITICAL — CLARIFY FIRST
Two MLS numbers at two different prices for the same address
Public MLS records show MLS #[SAMPLE-001] listed at $1,250,000 and MLS #[SAMPLE-002] listed at $1,199,000 — both for 2214 W Dekle Ave Unit 1, both from the same builder/agent (Sample Brokerage). The $51,000 difference is not a rounding error. This typically indicates either a price reduction that wasn't properly reconciled (old listing left active), two separately configured units being confused, or an attempt to test price points. Unit 2 of the same duplex is also listed at $1,199,000. Before writing any offer, confirm with the listing agent exactly which MLS number governs the sale and what price is binding. Stellar MLS
Action: Get the answer in writing via email before submitting any offer. The binding price must be specified in the purchase agreement — verbal clarification is not sufficient.
MATERIAL CONTEXT
Adjacent 13-unit Vantage Palms development at 2220 W Dekle Ave
Vantage Custom Homes simultaneously has a separate 13-unit townhouse development called "Vantage Palms" under construction at 2220 W Dekle Ave — approximately 100 feet from this property. This is not the same project. The buyer is purchasing a duplex unit next door to an active 13-unit construction site. Completion and occupancy of Vantage Palms will significantly increase density, traffic, and parking pressure on this block. Individual Vantage Palms units range from 2,200–2,600 sq ft and are priced from the low $1M range, suggesting direct resale competition. Sample builder reference
Buyer should ask: What is the completion timeline for both projects? Who owns the shared wall on this duplex? What are the deed restrictions on both properties?
POSITIVE
New construction — 2026 build quality, no legacy defects
Brand-new construction eliminates virtually all legacy defect risk common in South Tampa's older housing stock. Built to current Florida Building Code standards including post-2004 hurricane protection requirements. Features include 3-story layout with chef kitchen, walk-in pantry, balconies on floors 2 and 3, spa primary bath with his/hers closets, quartz countertops, hardwood flooring, and 2-car garage with private backyard. No HOA means no association restrictions, no monthly fees, and no special assessment risk. Stellar MLS [SAMPLE-001]
Section 2 — Florida-critical data no standard listing discloses
2
Flood Zone, Evacuation Zone & Hurricane Risk
STRONG POSITIVE — VERIFY
Probable Flood Zone X — no flood insurance likely required
Multiple comparable Vantage properties and nearby sales on W North A St in the South Tampa/Palma Ceia West corridor explicitly advertise "Flood Zone X (no flood insurance required)" and "no flooding from recent storms." A nearby multi-family property at 2206 W Dekle Ave specifically states Flood Zone X with no flooding from Helene or Milton. The Palma Ceia West, being inland and elevated relative to the bay, falls predominantly in Zone X in public FEMA data. This is a material financial advantage — Zone AE properties on Bayshore Blvd can carry $4,000–$10,000+ annually in mandatory flood insurance. FEMA DFIRM / Nearby MLS comps
Action: This MUST be officially verified at hcfl.gov/residents/public-safety/flooding/find-my-flood-zone before closing. Do not rely on neighbor comps — enter this exact parcel's address. Flood Zone X means flood insurance is not federally mandated but is still strongly recommended at $400–$700/year in Tampa Bay post-2024.
VERIFY BEFORE CLOSING
Evacuation zone — distinct from flood zone, critical for hurricane planning
Florida's evacuation zones (A through E in Hillsborough County) measure storm surge risk during hurricanes and are entirely separate from FEMA flood zones. A property can be Flood Zone X but still be in a mandatory evacuation zone. Palma Ceia West / South Tampa properties are generally in Evacuation Zones C or D — lower-risk zones that typically require evacuation only for Category 3+ storms. However, this must be individually verified for this specific parcel. The City of Tampa's Natural Hazards Map allows lookup by address. City of Tampa Emergency Mgmt
Action: Verify at tampa.gov/emergency-management/info/find-your-evacuation-zone. Enter the property address. Screenshot and save the result — it's a disclosure item worth keeping permanently.
IMPORTANT
Flood zone vs. evacuation zone — buyers must understand both
These are two different systems measuring different risks. Flood zone = FEMA's assessment of year-round flooding probability from rain, drainage, rivers. Evacuation zone = hurricane storm surge risk during a named storm. "No flood zone required" does not mean you won't be asked to evacuate during a hurricane. The South Tampa corridor is inland enough to likely avoid mandatory Zone A/B evacuation orders for most storms, but this is not guaranteed. For context, during Hurricane Milton (2024), Zone D in Hillsborough was not ordered to evacuate. City of Tampa · Hillsborough County Emergency Management
Section 3 — Lifestyle & Environment Data
3
Walkability, Transit, Noise & Air Quality
Walk Score
~72
Very Walkable · Publix, Sprouts, dining within 0.5 mi Walk Score
Bike Score
~65
Bikeable · Bayshore Greenway ~2 mi Walk Score
Transit Score
~38
Some Transit · Bus routes on Dale Mabry/Henderson HART
Air Quality
Good
EPA AQI avg: acceptable; occasional moderate days EPA AirNow
Noise Level
Moderate
South Tampa commercial/traffic corridor nearby HowLoud
Airport Noise
Low
TPA flight paths primarily east/west; this corridor is north of main approach FAA
NOTE
South Tampa commercial corridor noise — construction period
W Dekle Ave sits approximately 0.5 miles from the South Tampa commercial district (malls, restaurants, Dale Mabry traffic). This means moderate ambient road noise, which is typical for mid-South Tampa. More immediately: with both 2214 and 2220 W Dekle Ave under simultaneous active construction, the buyer should expect significant construction noise and disruption for 12–24 months post-purchase until Vantage Palms's 13-unit development is complete. This is not a dealbreaker but it is a quality-of-life factor to budget around. Homes.com Palma Ceia West guide · Vantage site data
Section 4 — Data realtors cannot share with you
4
Neighborhood Intelligence: Palma Ceia West / Palma Ceia West
Neighborhood summary
Palma Ceia West / Palma Ceia West is a mid-South Tampa neighborhood with a genuine "suburb in the city" feel — tree-lined residential streets, high homeownership rates, and walkable commercial corridors on Henderson Blvd and Dale Mabry. It's less prestige-priced than Bayshore Beautiful or Davis Islands but sits in the same elite school district. New construction like this Vantage build coexists with 1950s–60s ranch homes and increasingly commands $1M+ prices. The neighborhood's proximity to I-275, TPA, and South Tampa makes it practical and commutable — values that sustain resale.
Public safety data — Palma Ceia West / Southland of PCW (DoorProfit 2026 · FBI UCR 2024)
Overall crime index vs. national avg (100 = national)60 — 40% below national avg DoorProfit 2026
Safer than (% of Tampa neighborhoods)74% of Tampa DoorProfit 2026
Violent crime vs. Tampa avg (Tampa = 103)Index 89 — 14% below Tampa avg FBI UCR 2024
Assault (primary concern)Index 127 — 27% above national DoorProfit 2026
South Tampa overall runs 46% below national average for violent crime. Palma Ceia West's elevated assault index reflects the broader South Tampa/commercial corridor; property crime (burglary, auto theft) is very low. Crime rates are neighborhood-level data from public FBI records and should not be taken as block-specific guarantees.
STRONG POSITIVE
Sex offender registry — low density neighborhood
Palma Ceia West / Palma Ceia West is a high-homeownership, family-oriented neighborhood with historically low registered sex offender density relative to Tampa overall. Florida maintains a public sex offender database. Buyers with children should verify at fdle.florida.gov/Sexual-Predators before closing — this takes 2 minutes and is public information. This report does not reproduce registry data to protect individual privacy but encourages direct verification. FDLE public registry
Verify: fdle.florida.gov/Sexual-Predators → search by address/zip
Section 5 — Independently sourced school performance data
5
School District — The Plant High Trifecta
★ This property is in the most sought-after school district in Hillsborough County
The Mitchell → Coleman → Plant pipeline is why buyers pay $1M+ for new construction in this ZIP. Verify school assignments directly with HCPS before closing — assignment is by address, not neighborhood name.
Elementary School — Assigned
Mitchell Elementary School
PreK–5 · 695 students · 15:1 ratio · 205 S Bungalow Park Ave (0.2 mi from property) Top 5% in Florida (2025–26) — 79% math proficiency, 84% reading (vs. 52% FL avg). GreatSchools: 8/10. Niche: A. SchoolDigger rank: 291 of 2,258 FL elementary schools. PublicSchoolReview 2025Homes.com
A
Middle School — Assigned
Coleman Middle School
Grades 6–8 · 951 students · 19:1 ratio · "School of Excellence" designation A grade for 20+ consecutive years — top 10% in Florida. 80%+ math & ELA proficiency. 100% proficiency in Algebra 1. AP-equivalent Scholar Quest courses available. Ranked #9 in Hillsborough County. SchoolDigger 2025Coleman Middle official site
A
High School — Assigned
H.B. Plant High School
Grades 9–12 · ~2,500 students · 27:1 ratio · 1.5 miles from property #1 public high school in Tampa Bay area (U.S. News) · Niche: A+ · 33 AP courses, 73% AP pass rate · 97% graduation rate · 82% AP participation · Cambridge International curriculum · AFJROTC · Free AP testing. 85% of graduates attend college; 67% to 4-year universities. Consistently ranked Top 100 high schools nationally (Newsweek). PublicSchoolReview 2026U.S. News
A+
VERIFY
School boundary verification — essential before closing
The listing says "A-rated school district" and multiple sources confirm Mitchell/Coleman/Plant for this 33606 address. However, the City of Tampa identifies Grady Elementary (not Mitchell) as serving the Palma Ceia West neighborhood. The two schools are close (Mitchell is 0.2 mi away, Grady is slightly further). Both are A-rated. The boundary line between them passes through this area. Buyers for whom school assignment is a material factor MUST verify directly with Hillsborough County Public Schools before closing. City of Tampa Neighborhood page · Homes.com PCW guide
Verify: sdhc.k12.fl.us → School Locator → enter 2214 W Dekle Ave Tampa FL 33606
Section 6
6
Property Taxes, Homestead Exemption & Utilities
Est. Annual Taxes
~$14K
~1.15% of purchase price; Hillsborough rate HCPA
Homestead Exemption
$50K
Available if primary residence; saves ~$800–$1,200/yr FL Statute
Save Our Homes Cap
3%
Max annual assessment increase once homesteaded FL Statute
Electric
TECO
Tampa Electric; avg ~$180–$250/mo for 3,000 sf new construction
Water/Sewer
City of Tampa
Avg ~$70–$110/mo for this size unit
Internet
Spectrum / TECO
Spectrum (cable), TECO Peoples Gas; fiber expanding in 33606
TAX PLANNING
New construction tax assessment — first-year jump likely
New construction is assessed at market value in the first year. The current lot may have been assessed far lower. After purchase, the Hillsborough County Property Appraiser will assess the completed structure, likely pushing taxes from the pre-construction rate to approximately $13,000–$16,000 annually depending on final appraised value. Apply for homestead exemption immediately after closing if this will be your primary residence — the deadline is March 1 of the following tax year. Homestead exemption locks in a 3% annual cap under Save Our Homes, which compounds significantly over a 5+ year hold. Hillsborough County Property Appraiser
Section 7
7
Proximity & Lifestyle Data
✈
Tampa International Airport
~2.5 mi · ~8 min drive · Major advantage
🏥
HCA Florida South Tampa Hospital
~1.8 mi · ~5 min · Full-service ER
🛍
South Tampa / International Plaza
~0.5 mi · Walking distance to mall
🛒
Publix, Sprouts, Trader Joe's
Within 1–2 mi on Henderson Blvd
🏙
Downtown Tampa
~5 mi · I-275 direct · ~12 min
⛳
Palma Ceia Golf & CC
~1.5 mi · Tampa's oldest private club (1916)
🚶
Bayshore Blvd Greenway
~2 mi south · 4.5-mi waterfront path
🍽
SoHo / Hyde Park Village
~2.5 mi · Tampa's best dining & nightlife
Section 8
8
True Cost of Ownership Beyond the Mortgage
Annual ownership cost estimate — public data & market rates (beyond mortgage)
Property taxes — Hillsborough County (~1.15% of value)
~$13,800–$14,900
Homeowners insurance — new 2026 construction, 3,062 sf, South Tampa
$4,000–$7,500
Flood insurance — Zone X likely (verify); voluntary NFIP policy recommended
$400–$700 optional
Wind/hurricane supplement — required by some lenders in 33606
$1,200–$2,500
TECO Electric — 3-story 3,062 sf new construction with A/C
~$2,400–$3,200
Water/sewer — City of Tampa
~$900–$1,300
Internet/cable — Spectrum or fiber
~$720–$1,200
Maintenance reserve — new construction (0.5% of value)
~$6,000–$6,500
HOA
$0 (confirmed)
Estimated annual carrying cost beyond mortgage
~$29,000–$37,000
New construction maintenance reserve is lower than older homes. Insurance quotes must be obtained from licensed Florida insurers — post-2024 market rates are in flux. All figures are estimates.
Section 9
9
Priority Flags & Buyer Action Plan
Resolve before making any offer
Clarify the two MLS prices ($1,250,000 vs $1,199,000) in writing — confirm which number governs this specific unit and get it in email
Officially verify flood zone at hcfl.gov/residents/public-safety/flooding/find-my-flood-zone for this exact parcel address
Find your evacuation zone at tampa.gov/emergency-management/info/find-your-evacuation-zone
Verify school assignment (Mitchell vs. Grady Elementary) directly at sdhc.k12.fl.us school locator — material if schools are a deciding factor
Ask the builder directly about 2220 W Dekle Ave (Vantage Palms) completion timeline, shared driveway/access easements, and any legal connection between the two projects
Request the builder's warranty documentation — 1-year workmanship, 2-year systems, 10-year structural are standard and should be provided in writing at closing
1
Get the price discrepancy resolved — today
Call or email the listing agent at Sample Brokerage ([contact listing agent]) and ask: "Which MLS number is active for Unit 1, and what is the binding list price?" Document the answer. A $51,000 difference is not a typo — it may indicate a price reduction on one unit that wasn't removed from the other listing. It may also reveal something about the builder's motivation to close.
2
Get a comp-supported offer anchor before negotiating
The 33606 ZIP has a mix of new construction at $1.1M–$1.5M and competing Vantage product at nearby addresses. Pull recent sold comparables within 0.5–1 mile, $/sq ft trends, and days-on-market data. Given the dual-MLS situation, the comp data is your strongest negotiation tool — likely $50,000–$100,000 of negotiating room if the comps support it.
3
Verify all flood/evacuation data at official sources before committing
Nearby properties confirming Zone X is strong evidence but not legally binding for this parcel. Get an official flood zone determination letter or verify directly at the FEMA FIRM panel early in your due diligence period. If Zone X is confirmed, the absence of mandatory flood insurance is a genuine financial advantage worth $4,000–$10,000/year vs. AE-zone alternatives.
4
Inspect during construction — not just at completion
Under-construction homes can be inspected at structural framing, rough plumbing/electrical, and pre-drywall stages. Request the right to a pre-drywall inspection in your purchase agreement — this is your one opportunity to see inside the walls before they're closed. Many builders include this as standard; some require a contract clause. Don't miss it.
5
Apply for homestead exemption the day you close
The March 1 deadline is real and non-extendable. Homestead exemption saves approximately $800–$1,200 in year one and locks your assessment increases to 3% per year under Save Our Homes. On a property appreciating in South Tampa, this cap compounds into tens of thousands of dollars of tax savings over a 7–10 year hold.
Public Portals for Independent Verification
Every finding in this report is sourced from public data. We encourage buyers to verify all items directly. DisclosureCheck is a research aggregation service — not a licensed agent, attorney, or inspector.