David Ramirez
$520,0002 bd2 ba1,068 sqft$487 /sqft$4,070 /mo all-in ↓

1027 NORMANDY TRACE ROAD, TAMPA, FL, 33602

Active6 days on marketListed Jul 17, 2026MLS #TB8524424

Priced 13% below the TAMPA 33602 medianCondominiumISLAND WALK A CONDO

About this home

1027 NORMANDY TRACE ROAD

Harbour Island is one of Tampa's most coveted addresses, and this two-bedroom, two-bath townhouse-style condo at Island Walk puts you right in the middle of it. Walk to Amalie Arena, cross over to Water Street and the Riverwalk, or just settle into being tucked deep in South Tampa. The location does most of the talking here. Inside, the two-story layout works in your favor. Garage and entry sit on the ground floor, while the living space, both bedrooms, two full baths, and in-unit laundry are all upstairs, away from street noise. The home has been nicely updated throughout, with quartz countertops and a smart fridge in the kitchen. HVAC was replaced in 2020. A screened porch gives you outdoor space without the full Florida sun, and the lot sits on the channel with a conservation view, so what's out back is water and green space instead of another building. Community amenities are resort-caliber: two pools, a jacuzzi, a fitness center with a dedicated cardio room, tennis courts, and a playground. The HOA covers water, grounds maintenance, pool care, and valet trash pickup, and the community is gated with RFID entry. Zoned for Gorrie Elementary, Wilson Middle, and Plant High School. Pets welcome, no buyer approval required. Harbour Island doesn't open up like this often, especially with a channel view attached.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,068

Sqft

0.03 ac

Lot size

1

Garage

1991

Year built

Two

Levels

$487

Per sqft

Inside

FlooringOther
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorNinguno
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco · Wood Frame
FoundationBlock
FacesSoutheast
ExteriorNone

Community & fees

Taxes (2025)$7,426/yr
PetsBreed Restrictions
CommunityNone

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Public · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,070 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property tax — 2025 actual bill$619
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,200Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,200
Interest rate6.00%
Loan term

Estimated payment

$4,070/mo

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property taxes (actual bill)$619
Est. insurance$160

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.

List $520K
$347KedgeAI estimate $490,304 · range $361K$629K$654K

vs edgeAI estimate

+6.1%

Days on market

6 vs 33 typical

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

Map of 1027 NORMANDY TRACE ROAD

Drive times from this address

Downtown Tampa3 min
Tampa Int’l Airport (TPA)17 min
Walt Disney World71 min

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

ElementaryGorrie Elementary School★★★★★
MiddleWilson Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★
HighPlant High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tampa market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$430K$455K

Tampa median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

Median sold price, Tampa, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 13% below the TAMPA 33602 median. See the full Tampa market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $520,000 · 6 days on market since
1991Built · ISLAND WALK A CONDO

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1027 NORMANDY TRACE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1027 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.

Goes straight to David’s phone and CRM.

Straight answers

1027 NORMANDY TRACE ROAD FAQs

What would the monthly payment be for 1027 NORMANDY TRACE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,070/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 1027 NORMANDY TRACE ROAD?+

The most recent tax bill on record (2025) was $7,426. 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 1027 NORMANDY TRACE ROAD?+

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 $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 1027 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

Three things that matter here

01Under the TAMPA 33602 market on paper

$520,000 is 13% below the TAMPA 33602 median of $595,000.

02Fresh on the market

Only 6 days on market in a Tampa market that averages 33 — if it fits, move quickly.

03Strong 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.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Bryan Coward PA. MLS #TB8524424.

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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