$644,900
$50K PRICE DROP

9009 Palm Key Ave Oldsmar, FL 34677

Oldsmar Area

Estimated payment $4,646/month

Total Views 35,326
4 Beds
3 Baths
2,587 Sq Ft
$249 Price per Sq Ft

Highlights

  • 24 Feet of Bay Harbor Waterfront
  • White Water Ocean Views
  • Fitness Center
  • East Lake High School Rated A
  • Fishing Pier
  • Gated Community

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.

Listing Agent

Nisa Gonzalez Smook

REAL BROKER, LLC Brokerage Phone: 855-450-0442 License #3467174 Listed on: 01/07/2026

REAL BROKER, LLC

Townhouse Details

Home Type

  • Townhome

Est. Annual Taxes

  • $6,740

Year Built

  • Built in 2018

Lot Details

  • 2,352 Sq Ft Lot
  • 24 Feet of Bay Harbor Waterfront
  • Street terminates at a dead end
  • East Facing Home
  • Street paved with bricks

HOA Fees

  • $580 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • Driveway
  • Guest Parking

Home Design

  • Elevated Home
  • Slab Foundation
  • Shingle Roof
  • Concrete Siding
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,587 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Dry Bar
  • Coffered Ceiling
  • Tray Ceiling
  • High Ceiling
  • Ceiling Fan
  • Shades
  • Blinds
  • Sliding Doors
  • Combination Dining and Living Room
  • Den
  • Bonus Room
  • Inside Utility
  • White Water Ocean Views
  • Attic Fan
  • In Wall Pest System

Kitchen

  • Eat-In Kitchen
  • Cooktop
  • Microwave
  • Dishwasher
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Carpet
  • Ceramic Tile
  • Luxury Vinyl Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom Upstairs
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 3 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Outdoor Features

  • Fishing Pier
  • Access to Bay or Harbor
  • Enclosed Patio or Porch
  • Exterior Lighting

Location

  • Flood Zone Lot
  • Flood Insurance May Be Required

Schools

  • Oldsmar Elementary School
  • Carwise Middle School
  • East Lake High School

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Electric Water Heater
  • Water Softener
  • Cable TV Available

Listing and Financial Details

Community Details

Overview

  • Association fees include cable TV, internet, maintenance structure, ground maintenance, security, sewer, trash, water
  • Management And Associates Emma Bartlett Association, Phone Number (813) 433-2010
  • Bayside Terrace Subdivision

Amenities

  • Clubhouse

Recreation

  • Fitness Center
  • Community Pool

Pet Policy

  • 2 Pets Allowed
  • Dogs and Cats Allowed
  • Medium pets allowed

Security

  • Gated Community
  • Hurricane or Storm Shutters

Townhouse Details

Home Type

Townhome

Est. Annual Taxes

$6,740

Year Built

Built in 2018

Lot Details

2,352 Sq Ft Lot

HOA Fees

$580 per month

Parking

2

Listing Details

  • HOA Fee Includes: Cable TV, Internet, Maintenance Structure, Maintenance Grounds, Security, Sewer, Trash, Water
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Townhouse
  • Construction Materials: Block, Concrete, Stucco
  • Fireplace: No
  • Living Area: 2587
  • Lot Size Acres: 0.05
  • New Construction: No
  • Year Built: 2018
  • Building Area Total: 2587
  • Lot Size Sq Ft: 2352
  • Status: Active
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 240.34
  • Escrow City: Lutz
  • Escrow State: FL
  • Escrow Street Name: Crystal Grove Blvd.
  • Minimum Lease: 1-2 Years
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 249.28
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • Property Description: Elevated
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Clubhouse
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Dock,Fishing,Water Access,Waterfront
  • Attribution Contact: 855-450-0442
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Luxury Vinyl
  • Full Bathrooms: 3
  • Interior Amenities: 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
  • Appliances Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Stories: 2
  • Window Features: Blinds, Shades
  • Additional Rooms: Bonus Room,Den/Library/Office,Inside Utility
  • Living Area Meters: 240.34

Exterior Features

  • Direction Faces: East
  • Exterior Features: Hurricane Shutters, Lighting, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Pool Private: No
  • View: Water
  • Water Body Name: OLD TAMPA BAY
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Enclosed, Porch, Rear Porch, Screened
  • Road Surface Type: Asphalt, Paved
  • Water Access: Bay/Harbor
  • Water Extras: Fishing Pier
  • Water View: Bay/Harbor - Full
  • Water View YN: 1
  • Waterfront Feet Total: 24
  • Flood Zone Panel: 12103C0087H
  • Water Frontage Feet Bay Harbor: 24

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway, Garage Door Opener, Guest

Utilities

  • Utilities: Cable Available, Electricity Available
  • Cooling: Central Air, Attic Fan
  • Heating: Central
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Fitness Center, Gated Community - No Guard, Pool, Sidewalks
  • Association Amenities: Cable TV, Fitness Center, Gated, Pool
  • Association Fee: 580
  • Association Fee Frequency: Monthly
  • Association Name: Management and Associates - Emma Bartlett
  • Phone: 813-433-2010
  • Association: Yes
  • Security: Gated Community
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Please confirm pet restrictions with HOA.
  • Association Fee Requirement: Required
  • Association Email: ebartlett@mgmt-assoc.com
  • Pet Size: Medium (36-60 Lbs.)

Fee Information

  • Total Annual Fees: 6960.00
  • Total Monthly Fees: 580.00
  • Monthly HOA Amount: 580.00

Schools

  • Elementary School: Oldsmar Elementary-PN
  • High School: East Lake High-PN
  • Middle Or Junior School: Carwise Middle-PN

Lot Info

  • Parcel Number: 22-28-16-05152-000-0350
  • Additional Parcels: No
  • Lot Features: Flood Insurance Required, FloodZone, Sidewalk, Street Brick, Street Dead-End
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Minimum lease term is 1 year and maximum leasing years, confirm all lease restrictions with HOA.

Tax Info

  • Tax Annual Amount: 6740.44
  • Tax Block: 3007
  • Tax Book Number: 142-53
  • Tax Lot: 35

Multi Family

  • Waterfront Features: Bay/Harbor

Map

Range of Values:

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Value Increase
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $6,379 $426,271
2024 $6,291 $414,258
2023 $6,291 $402,192 $0 $0
2022 $6,127 $390,478 $0 $0
2021 $6,219 $379,105 $0 $0
2020 $6,211 $373,871 $0 $0
2019 $6,112 $365,465 $0 $365,465
2018 $452 $23,800 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
07/13/2026 07/13/26 Price Changed $644,900 -0.8% $249 / Sq Ft
06/15/2026 06/15/26 Price Changed $649,900 0.0% $251 / Sq Ft
06/15/2026 06/15/26 Price Changed $4,250 0.0% $2 / Sq Ft
05/22/2026 05/22/26 Price Changed $654,900 0.0% $253 / Sq Ft
05/12/2026 05/12/26 For Rent $4,500 0.0% --
05/01/2026 05/01/26 Price Changed $664,900 -1.5% $257 / Sq Ft
03/03/2026 03/03/26 Price Changed $674,900 -1.5% $261 / Sq Ft
02/06/2026 02/06/26 Price Changed $685,000 -1.4% $265 / Sq Ft
01/07/2026 01/07/26 For Sale $695,000 0.0% $269 / Sq Ft
12/14/2024 12/14/24 Rented $4,500 0.0% --
11/14/2024 11/14/24 For Rent $4,500 -- --
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $100 None Listed On Document
Special Warranty Deed $405,561 First American Title Insuran
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $165,000 New Conventional
Previous Owner $324,448 New Conventional
Source: Public Records

Source: Stellar MLS

MLS Number: TB8461356

Stellar MLS

APN: 22-28-16-05152-000-0350

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