9009 PALM KEY AVENUE, OLDSMAR, FL, 34677
Pending85 days on marketListed May 12, 2026MLS #TB8507643
About this home
9009 PALM KEY AVENUE
WATERFRONT living in this beautifully upgraded townhome located in the gated Bayside Terrace community. This rare, larger waterfront unit stands out from the rest, offering expanded water views to create a bright, airy layout with even more breathtaking views of the bay and conservation area from the comfort of your kitchen, living room, and dining area. Step inside to find high ceilings, an open-concept floor plan, and an upgraded kitchen built for entertaining, featuring an extended island, a side bar with glass front cabinetry or the perfect coffee station, and equipped with a huge walk-in pantry. There is so much space in this kitchen! Upstairs, the owner’s suite overlooks the water and offers a luxurious en suite retreat with a soaking tub, separate shower, dual vanities, and a large walk-in closet. Two additional bedrooms and a spacious bonus room provide plenty of flexibility — ideal for a game room, movie room, or playroom. You’ll also love the oversized laundry room conveniently located just off the primary suite, so there’s no need to carry clothes far. Relax and unwind on your screened lanai overlooking the water, or take advantage of the resort-style amenities Bayside Terrace is known for which include a stunning infinity pool overlooking Tampa Bay, a fitness center, outdoor gas grills, a cozy fire pit to relax by after a long day, a kayak launch and storage area, as well as a waterfront pier perfect for fishing and enjoying those sunset views. LOCATION IS KEY as it's just minutes to downtown Oldsmar’s restaurants and shops, 10 minutes to downtown Safety Harbor, 20 minutes to Honeymoon Island, 25 minutes to Tampa International Airport, and 30 minutes to Clearwater Beach. This home offers the perfect balance of waterfront serenity and convenient access to everything you need throughout Tampa Bay. Plus your monthly rent includes: Cable, Internet, Water, Trash, AC Filters, Salt for Water Softener System, Grounds Maintenance and Gated Access. Enjoy maintenance-free, waterfront living in one of Oldsmar’s most desirable communities — this spacious, one-of-a-kind townhome is truly a rare find!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,587
Sqft
0.05 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$191 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$191/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Oldsmar actives
$2 vs $230
Days on market
85 vs 56 typical
Where $2/sqft sits among the 154 Oldsmar actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Oldsmar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
OLDSMAR 34677 — neighborhood snapshot
Population
22,337
Median age
47.3
Median income
$85,389
Median home value
$352,200
Avg household
2.49
Households w/ children
2,157
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oldsmar market
$400K → $470K
Oldsmar median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
97 of 154
Oldsmar actives have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% below the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 9009 PALM KEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$565,000
2315 SUNSET WIND LOOP · same community
4 bd · 3 ba · 2,587 sqft · $218/sqft · 45 DOM
Sold · Mar ’26$645,000
2005 PALM KEY AVENUE · same community
4 bd · 3 ba · 2,587 sqft · $249/sqft · 65 DOM
Sold · Jun ’26$390,000
2313 SUNSET WIND LOOP · same community
3 bd · 2.5 ba · 2,230 sqft · $175/sqft · 127 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 9009 PALM KEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9009 PALM KEY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9009 PALM KEY AVENUE FAQs
What would the monthly payment be for 9009 PALM KEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $191/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 9009 PALM KEY AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Pet Deposit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Oldsmar?+
At $4,250, this home is listed about 99% below the Oldsmar median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9009 PALM KEY AVENUE?+
Oldsmar Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the OLDSMAR 34677 market on paper
$4,250 is 98% below the OLDSMAR 34677 median of $249,900, and at $2/sqft it sits under the Oldsmar average of $242.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Oldsmar Elementary School, Joseph L. Carwise Middle School, East Lake High School — Oldsmar Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $4,500, now $4,250 — a $250 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Nisa Gonzalez Smook. MLS #TB8507643.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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