3010 PALM KEY AVENUE, OLDSMAR, FL, 34677
Active0 days on marketListed Sep 22, 2026MLS #TB8551175
About this home
3010 PALM KEY AVENUE
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 improvements include a new electrical panel installed in 2024 and gutters added in 2021. 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.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,888
Sqft
0.04 ac
Lot size
1
Garage
2019
Year built
Two
Levels
$211
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.
$3,622 /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
$3,622/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.
Where it sits
Inside West Oldsmar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
West Oldsmar — neighborhood snapshot
Population
1,057
Median age
37
Median income
$90,345
Median home value
$486,400
Avg household
2
Households w/ children
120
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 → $415K
Oldsmar median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3010 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 3010 PALM KEY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3010 PALM KEY AVENUE FAQs
What would the monthly payment be for 3010 PALM KEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,622/mo — principal and interest, the actual property-tax bill, the $580/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 3010 PALM KEY AVENUE?+
The association fee works out to $580 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3010 PALM KEY AVENUE?+
The most recent tax bill on record (2024) was $4,275. 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 3010 PALM KEY AVENUE?+
The listing reports pets: 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 $399,000, this home is listed about 23% above the Oldsmar median of $324,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3010 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
Five things that matter here
01Positioned at the premium end
$399,000 runs 57% above the OLDSMAR 34677 median — but at 1,888 sqft it's also 43% larger than the typical Oldsmar listing.
02Pool & Water views
The pool and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $580/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Listed today in a Oldsmar market that averages 56 — if it fits, move quickly.
05Strong 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.
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Jarod Brewer. MLS #TB8551175.
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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