$649,900
9009 Palm Key Avenue
Oldsmar, FL 34677
Listing updated: June 26, 2026 at 11:15 AM ET
Listing courtesy of Real Broker, Llc · Nisa Gonzalez Smook · MLS #TB8461356 · Active · 855-450-0442Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Searching for a low-maintenance waterfront escape in Tampa Bay? Whether you’re looking for a full-time residence, seasonal escape, or the perfect “Lock Up & Go” second home, this property offers the ideal blend of low-maintenance living and resort-style amenities. An added bonus — the flood insurance is ASSUMABLE to new buyers at currently only $1,101 annually. The HOA includes cable, internet, water, trash, roof and grounds maintenance, and gated access, leaving electricity as the only additional utility needed. This rare oversized waterfront unit stands out as one of the few in the community with expanded water views from the main living areas, creating a brighter, more open feel throughout the home. Enjoy stunning bay and conservation views from the kitchen, dining, living room, and even the primary suite upstairs. High ceilings and an open-concept layout make the home feel spacious and inviting, while the upgraded kitchen was designed with entertaining in mind. Features include an extended island, side coffee/bar station with glass-front cabinetry, spacious walk-in pantry, and over $57,000 in builder upgrades throughout the home. Upstairs, the waterfront owner’s suite feels like a private retreat with beautiful water views, dual vanities, soaking tub, separate shower, and an oversized walk-in closet. Two additional bedrooms plus a generous bonus room provide flexible space for a media room, game room, second living area, or hosting guests. The oversized upstairs laundry room located just off the primary suite adds everyday convenience. Downstairs, the current office can easily be converted back into a fourth bedroom if desired. Step outside to your screened lanai and enjoy peaceful mornings or sunset evenings overlooking the water. Bayside Terrace offers RESORT-STYLE amenities including an infinity pool overlooking Old Tampa Bay, waterfront fire pit, fitness center, outdoor grills, kayak launch and storage, and a waterfront pier perfect for fishing or relaxing by the water. LOCATION, LOCATION, LOCATION — conveniently located just minutes to downtown Oldsmar, approximately 10 minutes to Safety Harbor, 20 minutes to Dunedin and Honeymoon Island, 25 minutes to Tampa International Airport, and 30 minutes to Clearwater Beach. This is waterfront living designed for both everyday enjoyment and effortless second-home ownership. You truly have to see it in person.
Local Insight
At $251/sqft for a 2018 townhouse with direct water access in Bayside Terrace, you're paying a premium that reflects the waterfront location, but factor in that $580 monthly HOA plus the AE flood zone designation—meaning flood insurance will be required and could run $1,500+ annually depending on elevation. The 0.05-acre lot is tight, so you're really buying the water views and access rather than land, which makes sense for this price point if boating or water recreation matters to you, but less so if you want outdoor space or privacy from neighbors.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history170 days on market
- Status: ActiveJan 7, 2026
- Listed$695,000Jan 7, 2026
- Price reduced$649,900
Facts & features
- Property type
- Residential
- Sub type
- Townhouse
- Status
- Active
- Days on market
- 170
- Subdivision
- Bayside Terrace
- County
- Pinellas
- Year built
- 2018
- Living area
- 2,587 sq ft
- Price/sq ft
- $251
- Lot size
- 2,352 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12103C0087H)
- Garage
- 2 spaces
- Annual taxes
- $6,740 (2025)
- Parcel #
- 22-28-16-05152-000-0350
- MLS #
- TB8461356
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile, Luxury Vinyl
- Appliances
- Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
- Interior features
- Ceiling Fans(s), Coffered Ceiling(s), Dry Bar, Eat-in Kitchen, High Ceilings, In Wall Pest System, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air, Attic Fan
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener, Guest
HOA & Financial
- HOA fee
- $580 / Monthly
- Monthly HOA
- $580/mo
- Total monthly fees
- $580/mo
- Total annual fees
- $6,960
- HOA name
- Management and Associates - Emma Bartlett
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Minimum lease term is 1 year and maximum leasing years, confirm all lease restrictions with HOA.
Exterior & Construction
- Exterior features
- Hurricane Shutters, Lighting, Sidewalk, Sliding Doors
- Construction materials
- Block, Concrete, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available
Community
- Pets allowed
- Cats OK, Dogs OK
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | 14x19 |
| Bedroom 2 | Second | 12x14 |
| Bedroom 3 | Second | 12x12 |
| Bathroom 4 | First | 12x14 |
| Living Room | First | 17x12 |
| Bonus Room | Second | 24x25 |
| Kitchen | First | 15x17 |
Listing Details
- Listing date
- 2026-01-05
- On market date
- 2026-01-07
- Original list price
- $695,000
- Occupant type
- Vacant
- MLS area
- 34677 - Oldsmar
- Listing AOR
- Orlando Regional
- Status changed
- 2026-01-07
- Tax legal description
- BAYSIDE TERRACE LOT 35
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From SR 580 turn onto Shore Blvd, thru the gate into community. Continue straight all the way to the end and unit is on the left at 9009 Palm Key Ave.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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Based on information submitted to the MLS GRID as of June 26, 2026 at 11:15 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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