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$399,000

3010 PALM KEY AVENUE, OLDSMAR, FL 34677

3D Tour
Active28 days on market

Beds

2

Baths

3

Sq Ft

1,888 sq ft

Year Built

2019

Lot Size

0.04 acres

Garage

1

About This Property

Welcome to waterfront living at its best! Located on beautiful Old Tampa Bay, this exceptional community offers a relaxed Florida lifestyle with amenities designed for everyday enjoyment and entertaining. Gather with friends around the gas firepit, share a meal beneath the pavilion with two grills, or relax in the large heated infinity pool while taking in beautiful water views. Stay active in the fully equipped gymnasium, fish from the pier extending into the bay, or launch a kayak for an afternoon on the water. The electronically gated entrance provides added security. Ideally situated directly across from the pool, this residence truly stands out. Beautiful landscaping and lush greenery welcome you at the entrance, while thoughtful enhancements continue throughout, including a gleaming epoxy-finished garage floor and garden-like screened porch. The porch creates a wonderful outdoor retreat for morning coffee, relaxing evenings, or entertaining guests. Inside, beauty and functionality continue. The entire first floor features beautiful tile flooring for a polished appearance and easy maintenance. In 2024, all recessed lighting was upgraded to LED bulbs, with downstairs lights featuring dimmers and amber-light options for the perfect ambiance. Even the spacious walk-in pantry has automatic lighting that illuminates the generous storage space when the door opens. The open-concept main living area is perfect for entertaining and everyday life, offering space for a full dining table and casual dining at the granite breakfast bar. Numerous light-gray cabinets provide abundant storage, complemented by a convenient coffee bar and mini-mudroom near the garage entrance. The living area flows effortlessly through pocket sliders to the screened porch, creating a wonderful indoor-outdoor living experience. A conveniently located half bath completes the first floor, while Custom Nantucket remote-control shades provide privacy and light control. Upstairs, a generous flex room offers incredible versatility as a den, second family room, playroom, home office, or temporary third bedroom. The nearby laundry room adds convenience. The primary suite offers a peaceful retreat with an expansive granite double-sink vanity, abundant storage, glass-enclosed shower, beautiful natural light, decorative tray ceiling, and custom walk-in closet with built-in shelving. Custom Nantucket remote shades complete the space. The spacious second bedroom is equally inviting, with natural light, decorative tray ceiling, and exceptional storage. Two closets, including a very large walk-in, provide plenty of room. The second full bath features wood cabinetry, pull-out drawers, granite countertop, and glass-enclosed shower. Additional upgrades include a new electrical panel installed in 2024 and gutters added in 2021 along with the undercounter lighting and downstairs crown molding. The location offers convenient access to Tampa, area airports, major shopping, restaurants, beautiful beaches, and more. With its waterfront setting, resort-style amenities, thoughtful upgrades, flexible living spaces, and outstanding location, this home offers an exceptional opportunity to enjoy the Florida lifestyle.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #TB8551175
StatusActive
Year Built2019
Total Rooms8
ConstructionStucco, Wood Frame
RoofShingle
FoundationSlab
FacesWest
SubdivisionBAYSIDE TERRACE
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Crown Molding, Eating Space In Kitchen, High Ceilings, In Wall Pest System, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Wood Cabinets, Split Bedroom, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
WindowsStorm Window(s)
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Sidewalk, Sliding Doors
Lot Size0.04 acres (1,960 sq ft)
Lot FeaturesFloodZone, City Lot, Landscaped, Near Public Transit, Sidewalk
Road SurfacePaved, Asphalt
ViewPool, Water
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Connected, Fire Hydrant, Public, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes
HOA Fee$580 / Monthly
Senior CommunityNo

Financial Details

List Price$399,000
Annual Taxes$4,275 (2024)
FinancingCash, Conventional, FHA, VA Loan
Parcel #222816051520000940

Schools

ElementaryOldsmar Elementary-PN
MiddleCarwise Middle-PN
HighEast Lake High-PN

Directions

Go East over the Oldsmar Bridge. Community gate on the right just over the bridge. Follow Palm Key Ave to the address on the right.

Location

3010 PALM KEY AVENUE, OLDSMAR, FL 34677

Listing Information

OfficeRE/MAX ACTION FIRST OF FLORIDA
ListedSeptember 22, 2026

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Home Price

$399,000

20% ($79,800)
6.75%

Loan Term

Principal & Interest$2,070
Property Tax (est.)$366
Insurance (est.)$150
Total Monthly$2,586
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $399,000 home in OLDSMAR.

🏛️

FHA Loan

$13,965 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,950 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 20, 2026.

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