1109 NORMANDY TRACE ROAD UNIT 1109, TAMPA, FL, 33602
Active28 days on marketListed Sep 15, 2026MLS #TB8548636
About this home
1109 NORMANDY TRACE ROAD UNIT 1109
HARBOUR ISLAND LIVING WITH BEAUTIFUL WATERFRONT VIEWS! This home has had all exterior renovations completed - new framing, new stucco, fresh paint, new balcony railings, screened enclosure, window and sliding glass doors and gutters! Discover the charm and convenience of Island Walk, a desirable gated community tucked away on Harbour Island, just minutes from the energy and excitement of Downtown Tampa. This inviting 1-bedroom, 1-bathroom townhouse-style condominium offers a wonderful combination of waterfront views, thoughtful updates, and an unbeatable location. The spacious living room features vaulted ceilings, creating an open and airy atmosphere throughout the main living space. BRAND-NEW HURRICANE-RATED SLIDING GLASS DOORS AND WINDOWS provide added peace of mind while filling the home with natural light. Step onto the SCREENED-IN BALCONY and enjoy your morning coffee or evening relaxation while taking in beautiful views of Sparkman Channel and watching cruise ships make their way through the channel. A private one-car garage provides added convenience and valuable storage. The location is truly exceptional, with USF Health Morsani College of Medicine within walking distance, along with easy access to Downtown Tampa, Water Street, Benchmark International Arena, Bayshore Boulevard, Ybor City, shopping, restaurants, entertainment, and the Tampa waterfront. Island Walk offers an impressive array of amenities designed for an active and enjoyable lifestyle, including a community pool, tennis courts, fitness center, playground, car wash, valet trash service, and more. Harbour Island remains a highly sought-after Tampa location, with an average of approximately 63 days on market, offering an excellent opportunity to enjoy the island lifestyle while being close to everything Downtown Tampa has to offer. Come experience Harbour Island living—where waterfront views, resort-style amenities, and exceptional convenience come together in one incredible location.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
0 ac
Lot size
1
Garage
1991
Year built
Two
Levels
$472
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,704 /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
$3,704/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+9.7%
$/sqft vs Tampa actives
$472 vs $284
Days on market
28 vs 64 typical
Where $472/sqft sits among the 400 Tampa 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 Harbour Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Harbour Island — neighborhood snapshot
Population
4,423
Median age
37
Median income
$146,297
Median home value
$516,867
Avg household
2
Households w/ children
316
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tampa market
$413K → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
229 of 400
Tampa actives have cut their price
Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1109 NORMANDY TRACE ROAD UNIT 1109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$415,000
611 ARBOR LAKE LANE · same community
2 bd · 2 ba · 1,068 sqft · $389/sqft · 47 DOM
Sold · Aug ’26$496,000
1027 NORMANDY TRACE ROAD · same community
2 bd · 2 ba · 1,068 sqft · $464/sqft · 6 DOM
Sold · Jun ’26$500,000
913 NORMANDY TRACE ROAD UNIT 913 · same community
2 bd · 2 ba · 1,183 sqft · $423/sqft · 7 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1109 NORMANDY TRACE ROAD UNIT 1109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 NORMANDY TRACE ROAD UNIT 1109 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1109 NORMANDY TRACE ROAD UNIT 1109 FAQs
What would the monthly payment be for 1109 NORMANDY TRACE ROAD UNIT 1109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,704/mo — principal and interest, the actual property-tax bill, the $678/mo association fee 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.
How much are the HOA fees at 1109 NORMANDY TRACE ROAD UNIT 1109?+
The association fee works out to $678 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1109 NORMANDY TRACE ROAD UNIT 1109?+
The most recent tax bill on record (2025) was $5,158. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1109 NORMANDY TRACE ROAD UNIT 1109?+
The listing reports pets: Breed Restrictions. 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 Tampa?+
At $384,900, this home is listed about 12% below the Tampa median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1109 NORMANDY TRACE ROAD UNIT 1109?+
Gorrie Elementary School (elementary), Wilson Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary), Plant High School (high) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the TAMPA 33602 market on paper
$384,900 is 45% below the TAMPA 33602 median of $699,000.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $678/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Gorrie Elementary School, Wilson Middle School, Patricia Sullivan Metropolitan Ministries Partnership School, Plant High School — Gorrie Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $399,000, now $384,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Stephanie Crews. MLS #TB8548636.
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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