If you’re thinking about selling a home in Tampa’s 33606 ZIP code, one of the most important questions to answer before putting a “For Sale” sign in the yard is simple: How much money will I actually walk away with?
At The Lewkowicz Group, Emeri and Joe Lewkowicz believe sellers should know that number before making decisions about pricing, renovations, timing, or their next move. With more than 40 years of combined real estate experience and deep knowledge of South Tampa, they know that a home’s sale price is only part of the financial picture.
The number that really matters is your estimated net proceeds.
Start With a Realistic Sale Price
The first step is determining what your home could realistically sell for—not simply what a neighbor’s home sold for or what an online estimate says.
In 33606, property values can vary significantly based on the specific neighborhood, street, lot, condition, renovations, architectural style, flood considerations, and buyer demand. Emeri and Joe look at recent comparable sales, current competition, market conditions, and the unique characteristics of your property to establish a realistic pricing range.
From there, they can build a preliminary seller net sheet.
Subtract Your Mortgage Payoff
Your remaining mortgage balance is usually one of the largest deductions from your sale proceeds.
Importantly, the balance shown on your monthly mortgage statement may not be your exact payoff amount. Your lender can provide an official payoff figure that accounts for accrued interest and other applicable charges.
For example, if your home sells for $900,000 and your mortgage payoff is $350,000, you’re starting with approximately $550,000 in equity before selling expenses.
Account for Selling and Closing Costs
This is where many sellers underestimate what it takes to complete a transaction.
A seller net estimate for a Tampa property may include:
Real estate brokerage compensation
Florida documentary stamp tax on the deed
Owner’s title insurance, according to local custom
Title and closing-related fees
Prorated property taxes
HOA or condominium estoppel-related fees, if applicable
Recording or mortgage satisfaction fees
Negotiated buyer concessions or repair credits
Florida’s documentary stamp tax on deeds is currently $0.70 per $100 of consideration, which means a $900,000 sale would generate approximately $6,300 in deed documentary stamps.
The exact costs can vary, so Emeri and Joe recommend using a property-specific estimate rather than relying on a generic percentage.
Don’t Forget Pre-Listing Expenses
Your net proceeds can also be affected by the money you spend getting the home ready for market.
That might include painting, landscaping, staging, repairs, professional photography, cleaning, or other improvements.
The key is determining which improvements are likely to help you achieve a stronger sale price or broader buyer appeal—and which expenses may not provide enough return.
This is an area where Emeri and Joe’s local experience becomes especially valuable. The goal isn’t to spend the most. It’s to spend strategically.
Run Multiple Scenarios
Emeri and Joe often recommend looking at several possible outcomes rather than relying on one projected sale price.
For example:
Conservative sale price → Estimated costs → Mortgage payoff → Estimated net
Target sale price → Estimated costs → Mortgage payoff → Estimated net
Strong sale price → Estimated costs → Mortgage payoff → Estimated net
This gives you a much clearer picture of what different pricing and market outcomes could mean for your finances.
Know Your Number Before You List
Selling a home in 33606 is a major financial decision. Before deciding whether to sell, how much to invest in preparation, or where to price the property, you should understand what you are likely to net.
With more than four decades of combined experience and a deep understanding of Tampa and South Tampa real estate, Emeri and Joe Lewkowicz bring the local perspective sellers need to make that calculation meaningful—not just mathematical.
If you’re considering selling a home in 33606, The Lewkowicz Group can help you evaluate your property, estimate its market value, and build a personalized seller net analysis so you can move forward with confidence.
