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For sale
    • Price cut: $5K (7/13)
    $644,900

    9009 Palm Key Ave, Oldsmar, FL 34677

    4beds
    2,587sqft
    : 
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    Townhouse
    Built in 2018
    2,352 Square Feet Lot
    $633,900 Zestimate®
    $249/sqft
    $580/mo HOA

    What's special

    Waterfront fire pitExtended islandOversized waterfront unitHigh ceilingsOutdoor grillsOpen-concept layoutSoaking tub
    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.
    187 days
    |
    498
    |
    27
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Nisa Gonzalez Smook 813-400-3680,

    REAL BROKER, LLC 855-450-0442

    Source: Stellar MLS,MLS#: TB8461356MLS LogoOriginating MLS: Orlando Regional

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Rooms
      • Room types: Bonus Room, Den/Library/Office, Utility Room
      Primary bedroom
      • Features: Dual Sinks, Split Vanities, Tub with Separate Shower Stall, Walk-In Closet(s)
      • Level: Second
      • Area: 266 Square Feet
      • Dimensions: 14x19
      Bedroom 2
      • Features: Dual Closets
      • Level: Second
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Bedroom 3
      • Features: Walk-In Closet(s)
      • Level: Second
      • Area: 144 Square Feet
      • Dimensions: 12x12
      Bathroom 4
      • Features: Built-in Closet
      • Level: First
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Bonus room
      • Features: No Closet
      • Level: Second
      • Area: 600 Square Feet
      • Dimensions: 24x25
      Kitchen
      • Level: First
      • Area: 255 Square Feet
      • Dimensions: 15x17
      Living room
      • Level: First
      • Area: 204 Square Feet
      • Dimensions: 17x12
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
      • Laundry: Inside, Laundry Room
      Features
      • Attic Fan, Ceiling Fan(s), Coffered Ceiling(s), Dry Bar, Eating Space 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)
      • Flooring: Carpet, Ceramic Tile, Luxury Vinyl
      • Doors: Sliding Doors
      • Windows: Window Treatments, Hurricane Shutters, Hurricane Shutters/Windows
      • Has fireplace: No
      Interior area
      • Total structure area: 2,587
      • Total interior livable area: 2,587 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage Door Opener, Guest
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Enclosed, Porch, Rear Porch, Screened
      • Exterior features: Lighting, Sidewalk
      • Has view: Yes
      • View description: Water, Bay/Harbor - Full
      • Has water view: Yes
      • Water view: Water,Bay/Harbor - Full
      • Waterfront features: Waterfront, Bay/Harbor, Bay/Harbor Access, Fishing Pier
      • Body of water: OLD TAMPA BAY
      Lot
      • Size: 2,352 Square Feet
      • Features: Flood Insurance Required, FloodZone, Sidewalk, Street Dead-End
      Details
      • Parcel number: 222816051520000350
      • Special conditions: None

      Construction

      Type & style
      • Home type: Townhouse
      • Property subtype: Townhouse
      Materials
      • Block, Concrete, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 2018

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Available

      Community & HOA

      Community
      • Features: Dock, Fishing, Water Access, Waterfront, Fitness Center, Gated Community - No Guard, Pool, Sidewalks
      • Security: Gated Community
      • Pet fee: $0 monthly
      • Subdivision: BAYSIDE TERRACE
      HOA
      • Has HOA: Yes
      • Amenities included: Cable TV, Fitness Center, Gated, Pool
      • Services included: Cable TV, Internet, Maintenance Structure, Maintenance Grounds, Security, Sewer, Trash, Water
      • HOA fee: $580 monthly
      • HOA name: Management and Associates - Emma Bartlett
      • HOA phone: 813-433-2010
      Location
      • Region: Oldsmar

      Financial & listing details

      • Price per square foot: $249/sqft
      • Tax assessed value: $574,685
      • Annual tax amount: $6,740
      • Date on market: 1/7/2026
      • Cumulative days on market: 188 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Brick, Asphalt, Paved

        Estimated market value

        $633,900

        $602,000 - $666,000

        $3,896/mo

        Price history

        DateEventPrice
        7/13/2026Price change$644,900-0.8%$249/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        6/15/2026Price change$649,900-0.8%$251/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        6/15/2026Price change$4,250-5.6%$2/sqft
        Source: Stellar MLS #TB8507643 Report a problem
        5/22/2026Price change$654,900-1.5%$253/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        5/12/2026Listed for rent$4,500+5.9%$2/sqft
        Source: Stellar MLS #TB8507643 Report a problem
        5/1/2026Price change$664,900-1.5%$257/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        3/3/2026Price change$674,900-1.5%$261/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        2/6/2026Price change$685,000-1.4%$265/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        1/7/2026Listed for sale$695,000-7.3%$269/sqft
        Source: Stellar MLS #TB8461356 Report a problem
        12/19/2025Listing removed$4,250$2/sqft
        Source: Stellar MLS #TB8446684 Report a problem
        11/11/2025Listed for rent$4,250-5.6%$2/sqft
        Source: Stellar MLS #TB8446684 Report a problem
        12/14/2024Listing removed$750,000$290/sqft
        Source: Stellar MLS #TB8306426 Report a problem
        12/8/2024Listing removed$4,500$2/sqft
        Source: Stellar MLS #TB8321296 Report a problem
        11/18/2024Price change$750,000-3.2%$290/sqft
        Source: Stellar MLS #TB8306426 Report a problem
        11/14/2024Listed for rent$4,500$2/sqft
        Source: Stellar MLS #TB8321296 Report a problem
        9/22/2024Listed for sale$775,000+7.8%$300/sqft
        Source: Stellar MLS #TB8306426 Report a problem
        3/25/2023Listing removed--
        Source: Stellar MLS #T3434466 Report a problem
        3/17/2023Listed for sale$719,000+17.7%$278/sqft
        Source: Stellar MLS #T3434466 Report a problem
        11/12/2019Listing removed$610,999$236/sqft
        Source: CHARLES RUTENBERG REALTY INC #U8052027 Report a problem
        7/12/2019Listed for sale$610,999$236/sqft
        Source: CHARLES RUTENBERG REALTY INC #U8052027 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$6,379 +1.4%$414,258 +3%
        2023$6,291 +2.7%$402,192 +3%
        2022$6,127 -1.5%$390,478 +3%
        2021$6,219 +0.1%$379,105 +1.4%
        2020$6,211 +1.6%$373,871 +2.3%
        2019$6,112 $365,465 +1435.6%
        2018$6,112 $23,800
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 34677

        Getting around

        24 / 100
        Car-Dependent
        40 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Oldsmar Elementary-PN
        • Middle: Carwise Middle-PN
        • High: East Lake High-PN

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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