$654,900

9009 Palm Key Avenue

Oldsmar, FL 34677

Active

Beds

Baths

2,587

Sq Ft

0.05

Acres

2018

Built

◆Waterfront◆Water access◆$253/sqft◆360° tour

Townhouse

Property type

2018

Year built

2,352 sqft

Lot size

$253

Price / sq ft

$580/mo

HOA dues

135

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.

Estimated monthly payment

Principal & interest$3,312

Property taxes$562

Home insurance (est.)$300

HOA dues$580

Down payment

20%

$130,980 downRate

6.5%

Term

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 history135 days on market

Status: Active
Jan 7, 2026
Listed$695,000
Jan 7, 2026
Price reduced$654,900

Virtual Tour

Facts & features

Property type: Residential
Sub type: Townhouse
Status: Active
Days on market: 135
Subdivision: Bayside Terrace
County: Pinellas
Year built: 2018
Living area: 2,587 sq ft
Price/sq ft: $253
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

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

ElementaryOldsmar Elementary-PNGreatSchools ↗

MiddleCarwise Middle-PNGreatSchools ↗

High SchoolEast Lake High-PNGreatSchools ↗

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

High riskFEMA Zone AEPanel 12103C0087H

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

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of May 22, 2026 at 9:48 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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