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Live in the heart of it all - this 4-bedroom, 3-bath, 2,007 sq ft single-family home with a garage offers luxurious finishes, spacious design, and an unbeatable location just minutes from Tampa's hottest restaurants, nightlife, and events. Built in 2020, the home is in walking distance of Historic Ybor City and nearby trolley stops. You can hop on the trolley to visit Water Street, the Channelside area, Amalie Arena, and the Downtown Tampa Core. It's a short 7 minute drive to Armature Works! It's also near the highly anticipated Gas Worx development - a transformative mixed-use project connecting Ybor City and Downtown Tampa with new restaurants, retail, green space, and vibrant walkability, adding exciting long-term value to the neighborhood. Inside, you'll find soaring 9'4" ceilings, elegant crown molding, 5¼" baseboards, 8-foot tall exterior doors that add a sense of grand scale, and fresh interior paint completed in June 2025. The main level is solid block and features porcelain tile flooring throughout, including the downstairs bedroom and full bathroom - perfect for guests, a home office, or multigenerational living. Tile continues up the staircase and throughout the upstairs hallway, bathrooms, and laundry room- with brand-new carpet (June 2025) only in the three upstairs bedrooms. The spacious primary suite features two large walk-in closets, a soaking tub, a separate glass-enclosed shower, and double sinks. Both the shower and tub have recessed niches with stylish decorative tile. The upstairs secondary bathroom also includes double sinks, and every shower and tub in the home has a recessed niche finished with beautiful tilework. Throughout the home, you'll find quartz countertops, comfort-height wood cabinetry, and soft-close drawers and cabinets. The kitchen is complete with 42" wood cabinets with crown molding, designer tile backsplash, pendant and recessed lighting, stainless steel appliances, and generous storage. Additional features include hurricane impact windows with blinds throughout, ceiling fans in all bedrooms, a Ring video doorbell, smart keyless entry, garage door opener, a vinyl privacy fence, and a covered front porch and rear lanai. The dual-zone HVAC system includes one unit for upstairs and one for downstairs for efficient climate control. The home also has solar panels which reduce monthly electric bills. Located in Flood Zone X with no flood insurance required, no HOA, no CDD fees, and no rental restrictions, this home is Airbnb-friendly and a smart investment. This property also qualifies for the CHIP program, offering zero money down, 100% financing, and no PMI - making homeownership more accessible than ever. 2918 N 21st Street- where modern comfort meets vibrant city living- just minutes from it all. This is the Tampa lifestyle you've been waiting for.