What Should You Look for When Buying a Historic Home in Tampa?

By Emeri & Joe Lewkowicz, The Lewkowicz Group

Tampa’s historic homes have a way of capturing your heart the moment you step inside. From the charming bungalows of Seminole Heights to the stately Mediterranean Revival homes in Hyde Park and Bayshore, these properties offer character, craftsmanship, and a sense of place you simply can’t replicate in new construction.

As Tampa real estate experts with more than 40 years of combined experience helping buyers, sellers, and investors navigate this market, we’ve walked through hundreds of historic homes with our clients. While the charm is undeniable, buying a historic home requires a trained eye and the right guidance. Here’s what we always tell our buyers to look for before falling in love.

1. Understand the Home’s Historic Status

Not all “historic” homes are treated the same. Some properties are located within officially designated historic districts, such as Hyde Park, Ybor City, or Tampa Heights. Others may simply be older homes without formal designation.

Why does this matter? If a home is within a historic district, exterior changes, renovations, or additions may require approval from a local preservation board. This doesn’t mean you shouldn’t buy it—but you should understand the rules before planning updates. We help our clients review these restrictions early so there are no surprises after closing.

2. Look Closely at the Foundation and Structure

Many of Tampa’s historic homes were built in the early 1900s, long before modern building codes. That’s not a dealbreaker—but it does mean inspections are critical.

We recommend paying special attention to:

1. Foundation type and settling

2. Floor leveling

3. Signs of previous structural repairs

4. Termite or wood rot damage (especially in our Florida climate)
   
   

A well-maintained historic home can be incredibly solid, but knowing what you’re buying gives you negotiating power and peace of mind.

3. Electrical, Plumbing, and HVAC Systems Matter

One of the biggest differences between historic and newer homes is what’s behind the walls. Outdated electrical wiring, galvanized plumbing, or older HVAC systems can impact insurance, financing, and future maintenance costs.

When we guide buyers through historic properties, we help them evaluate:

1. Whether systems have been updated

2. If permits were properly pulled

3. How upgrades may affect insurance eligibility
   
   

These factors are especially important for investors or buyers planning to renovate.

4. Original Features vs. Functional Updates

Part of the appeal of a historic home is its original character—hardwood floors, built-ins, crown molding, and vintage tile work. The key is finding the right balance between preserved charm and modern livability.

We encourage buyers to ask:

1. Are original windows intact and functional?

2. Have kitchens and bathrooms been updated thoughtfully?

3. Do renovations respect the home’s original architecture?
   
   

Homes that blend old-world charm with smart updates tend to hold their value exceptionally well in Tampa’s market.

5. Insurance and Flood Zones in Tampa

Insurance is a major consideration when buying any home in Florida, especially older ones. Historic homes may require specialized insurance policies, and flood zones vary dramatically by neighborhood—even within the same area.

Our local knowledge allows us to guide buyers through:

1. Flood zone evaluations

2. Insurance options and costs

3. Potential mitigation upgrades that can reduce premiums
   
   

This step alone can save thousands over time.

6. Neighborhood History and Long-Term Value

Tampa’s historic neighborhoods aren’t just beautiful—they’re some of the most resilient and desirable areas in the city. Hyde Park, Seminole Heights, and Tampa Heights continue to attract buyers who value walkability, community, and architectural charm.

For investors, historic homes in these neighborhoods often offer strong appreciation and rental demand. For homeowners, they provide a lifestyle that’s deeply connected to Tampa’s culture and history.

Final Thoughts from Emeri & Joe

Buying a historic home in Tampa is about more than aesthetics—it’s about understanding the story, structure, and long-term potential of the property. With the right team guiding you, these homes can be some of the most rewarding purchases you’ll ever make.

At The Lewkowicz Group, we don’t just sell homes—we help our clients make informed, confident decisions. If you’re considering a historic home in Tampa, we’d love to walk you through the process and help you find one that’s as sound as it is stunning.