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9009 PALM KEY AVENUE, OLDSMAR, 34677

$644,900

4

Beds

3

Baths

2,587 ft2

Property Size

2018

Year Built

About The Property

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.

Property Details

Property Id: 883679
Price: $644,900
Property Size: 2,587 ft2
Property Lot Size: 0 ft2
Rooms: 7
Bedrooms: 4
Bathrooms: 3
AssociationAmenities: Cable TV, Fitness Center, Gated, Pool
AssociationFee: 580
AssociationFeeFrequency: Monthly
AssociationFeeIncludes: Cable TV, Internet, Maintenance Structure, Maintenance Grounds, Security, Sewer, Trash, Water
BathroomsFull: 3
BuildingAreaTotal: 2587
CommunityFeatures: Dock, Fishing, Water Access, Waterfront, Fitness Center, Gated Community - No Guard, Pool, Sidewalks
ConstructionMaterials: Block, Concrete, Stucco
Cooling: Central Air
CoveredSpaces: 2
CumulativeDaysOnMarket: 187
DaysOnMarket: 187
DirectionFaces: East
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.
ElementarySchool: Oldsmar Elementary-PN
Flooring: Carpet, Ceramic Tile, Luxury Vinyl
Furnished: Unfurnished
GarageSpaces: 2
Heating: Central
HighSchool: East Lake High-PN
InternetAddressDisplayYN: 1
InternetAutomatedValuationDisplayYN: 1
InternetConsumerCommentYN: 1
InternetEntireListingDisplayYN: 1
LaundryFeatures: Inside, Laundry Room
Levels: Two
ListAOR: Orlando Regional
ListAgentFullName: Nisa Gonzalez Smook
ListOfficeName: REAL BROKER, LLC
ListingContractDate: 2026-01-05
ListingId: TB8461356
ListingTerms: Cash, Conventional, FHA, VA Loan
LivingAreaSource: Public Records
LivingAreaUnits: Square Feet
LotFeatures: Flood Insurance Required, FloodZone, Sidewalk, Street Dead-End
LotSizeArea: 2352
LotSizeSquareFeet: 2352
LotSizeUnits: Square Feet
MLSAreaMajor: 34677 - Oldsmar
MiddleOrJuniorSchool: Carwise Middle-PN
MlsStatus: Active
ModificationTimestamp: July 13, 2026 at 11:04pm
OnMarketDate: 2026-01-07
OriginalListPrice: 695000
OriginatingSystemName: Stellar MLS
Ownership: Fee Simple
ParkingFeatures: Driveway, Garage Door Opener, Guest
PatioAndPorchFeatures: Covered, Enclosed, Porch, Rear Porch, Screened
PetsAllowed: Cats OK, Dogs OK
PhotosChangeTimestamp: June 26, 2026 at 03:16pm
PhotosCount: 58
PostalCode: 34677
PropertyCondition: Completed
Roof: Shingle
SecurityFeatures: Gated Community
Sewer: Public Sewer
SpecialListingConditions: None
StateOrProvince: FL
StoriesTotal: 2
StreetName: PALM KEY
StreetNumber: 9009
StreetSuffix: AVENUE
Utilities: Cable Available, Electricity Available
View: Water
WaterBodyName: OLD TAMPA BAY
WaterSource: Public
WaterfrontFeatures: Waterfront, Bay/Harbor
YearBuilt: 2018

Amenities and Features

Outdoor Details
Garage Attached
Other Features
1
Attic Fan
Ceiling Fan(s)
Coffered Ceiling(s)
Cooktop
Dishwasher
Disposal
Dry Bar
Dryer
Eating Space In Kitchen
Electric Water Heater
Has a View
Has Cooling System
Has Garage
Has Heating System
Has Waterfront
High Ceilings
Home Owners Association
Hurricane Shutters
In Wall Pest System
Lighting
Living Room/Dining Room Combo
Microwave
Open Floorplan
Open Parking
PrimaryBedroom Upstairs
Range
Refrigerator
Sidewalk
Sliding Doors
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-In Closet(s)
Washer
Water Softener
Window Treatments

Map Location

Property Map

Mortgage Calculator

Payment Calculator

$3,306.53
per month
  • Principal and Interest
  • Property Tax
  • HOA fee
  • Private Mortgage Insurance
$ 2,500.40

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Disclaimer

Property ID - | 883679

All listings featuring the Stellar MLS logo are provided by My Florida Regional MLS DBA Stellar MLS. This information is not verified for authenticity or accuracy and is not guaranteed. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by MLS.

©2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved.

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Selinda Moore