
How Does Mixed-Use Zoning Work in Brandon & Tampa?
How business owners and investors use two-building properties near Highway 60 for office space and rental income.
- Mixed-use properties let you run a professional office (law, CPA, medical, real estate, contractor) in one building while renting out a second building on the same lot.
- Separate electric and water meters make it easy to split utility bills between two tenants.
- SBA and owner-user commercial loans often allow down payments as low as 10% to 15% when your business uses at least 51% of the total space.

Real Example: 126 Ridgewood Ave & 613 E Morgan St in Brandon
Located one block north of Brandon Blvd (Hwy 60), our active listing at 126 Ridgewood Ave shows how helpful mixed-use zoning can be. Sitting on 0.39 acres, it includes two separate buildings totaling 2,872 SqFt: a 1,040 SqFt commercial office building (613 E Morgan St) with 4 private offices, 2 waiting rooms, an ADA ramp, signage, and 6 paved parking spaces, plus a 1,832 SqFt house/office building (126 Ridgewood Ave). Because each building has its own utilities, you can use one for your business and rent out the other.
Direct Advisor Answers
Can I use an SBA loan to buy a mixed-use property in Brandon?
Mark Davis
Commercial & Residential Advisor • Align Right Realty Carrollwood
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