
1037 NORMANDY TRACE ROAD, TAMPA, FL, 33602
Active147 days on marketListed Feb 27, 2026MLS #TB8480434
About this home
1037 NORMANDY TRACE ROAD
Experience the pinnacle of waterfront living in the most desirable location within the gated Island Walk community. Condo will be available for occupancy August 1, 2026. This sophisticated two-story executive condo offers a rare architectural layout featuring twelve-foot vaulted ceilings, a premium detail available in only a select few units throughout the complex. The seller is providing an exceptional financial incentive by paying off all existing assessment at the time of closing. The interior has been meticulously updated with a premium level four finished drywall on all walls and ceilings, complemented by solid core five-panel doors, updated fixtures, switches, outlets and a high-efficiency Trane air conditioning system. On the main living level, the open floor plan is illuminated by upgraded Phillips LED track lighting, natural light beaming through the sliding glass doors, and features a gourmet kitchen equipped with stainless steel LG and Bosch appliances. Bedroom windows are hurricane impact windows and newer hot water heater. The spacious family room offers stunning views of the Sparkman Channel, providing a front-row seat to passing cruise ships. Residents can enjoy the Florida breeze by opening the wall-to-wall sliders that lead to a private, fully screened-in balcony. The residence includes a primary suite with a private en-suite bathroom, walk-in closet, and ample natural light. The large second bedroom offers a large closet, easy access to a full hall bath, and the unit features a private lower-level enclosed garage with interior access. Residents enjoy an active lifestyle with an array of amenities, including water and flood insurance, covered by association fees, which include building flood insurance, water, twenty-four-hour security, and twice-weekly concierge trash pickup. On-site facilities include a community pool, tennis courts, playground, and a fitness center. All exterior renovations for this building have been completed, ensuring a move-in-ready experience. This prime location puts you within a mile-walking distance to Tampa’s premier destinations, including Sparkman Wharf, Water Street, the Tampa Riverwalk, and Benchmark International Arena, as well as Greenwise Publix and several Michelin Star restaurants. This is your opportunity to purchase a slice of heaven with plenty of upside.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,154
Sqft
0.01 ac
Lot size
1
Garage
1991
Year built
Two
Levels
$451
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 — not generic estimates.
$3,783 /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
$3,783/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
−3.7%
$/sqft vs Tampa actives
$451 vs $305
Days on market
147 vs 33 typical
Where $451/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 Tampa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
TAMPA 33602 — neighborhood snapshot
Population
19,694
Median age
35.2
Median income
$88,569
Median home value
$560,400
Avg household
1.78
Households w/ children
1,289
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
$430K → $455K
Tampa median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
180 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 12% below the TAMPA 33602 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 1037 NORMANDY TRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$500,000
913 NORMANDY TRACE ROAD UNIT 913 · same community
2 bd · 2 ba · 1,183 sqft · $423/sqft · 7 DOM
Sold · Nov ’25$415,000
611 ARBOR LAKE LANE · same community
2 bd · 2 ba · 1,068 sqft · $389/sqft · 47 DOM
Sold · Jan ’26$468,000
810 ISLAND WALK DRIVE UNIT 810 · same community
3 bd · 2 ba · 1,410 sqft · $332/sqft · 175 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1037 NORMANDY TRACE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1037 NORMANDY TRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1037 NORMANDY TRACE ROAD FAQs
What would the monthly payment be for 1037 NORMANDY TRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,783/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1037 NORMANDY TRACE ROAD?+
The most recent tax bill on record (2024) was $3,986. 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 1037 NORMANDY TRACE ROAD?+
The listing reports pets: Number Limit. 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 $520,000, this home is listed about 12% above the Tampa median of $464,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1037 NORMANDY TRACE ROAD?+
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
$520,000 is 12% below the TAMPA 33602 median of $590,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
147 days on market against a Tampa median of 33 — sellers in this position are usually ready to negotiate.
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 $545,000, now $520,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Christine Smith. MLS #TB8480434.
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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