1040 NORMANDY TRACE ROAD, TAMPA, FL, 33602
Active4 days on marketListed Jul 20, 2026MLS #TB8527983
About this home
1040 NORMANDY TRACE ROAD
Welcome home to your Move-in ready, completely turn key 1BR/1BA with 1 car garage condo in the heart of it all on Harbour Island! Rare opportunity to own a condo in one of the only gated neighborhoods in South Tampa, a 24 Hour Gated Community of Island Walk. This Open-concept floor plan has vaulted ceilings in the main area, gorgeous newly updated kitchen with granite counters, stainless steel appliances, stone backsplash, separate dining, and family room flowing seamlessly together perfect for entertaining. Upgrades include BRAND NEW Hurricane Impact WINDOWS and SLIDING doors, soft-close wood shaker cabinets, stone backsplash, brand new paint, new LVP flooring, new dishwasher, new washer/dryer, new carpet on stairs, painted railings, Spacious primary suite features a walk-in closet and plantation shutters; fully remodeled bathroom with glass enclosed shower. Located in prestigious Island Walk community with 2 pools, 2 tennis courts, fitness center, and clubhouse. The HOA also covers water, sewer, concierge trash pickup, pest control, building insurance, and exterior/grounds maintenance, creating a truly LOW-MAINTENANCE LIFESTYLE. Located in A+ Schools, Gorrie, Wilson and Plant. Walkability to Benchmark Arena, Tampa Riverwalk, Sparkman Wharf, Florida Aquarium, and Downtown Tampa, with easy access to the Crosstown Expressway and I-275.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
0 ac
Lot size
1
Garage
1991
Year built
Two
Levels
$638
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.
$4,715 /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
$4,715/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.
$/sqft vs Tampa actives
$638 vs $303
Days on market
4 vs 33 typical
Where $638/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)
181 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 1040 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 · Aug ’25$370,000
1107 NORMANDY TRACE ROAD · same community
1 bd · 1 ba · 815 sqft · $454/sqft · 36 DOM
Sold · Nov ’25$415,000
611 ARBOR LAKE LANE · same community
2 bd · 2 ba · 1,068 sqft · $389/sqft · 47 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1040 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 1040 NORMANDY TRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1040 NORMANDY TRACE ROAD FAQs
What would the monthly payment be for 1040 NORMANDY TRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,715/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 1040 NORMANDY TRACE ROAD?+
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 1040 NORMANDY TRACE ROAD?+
The most recent tax bill on record (2025) was $7,034. 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 1040 NORMANDY TRACE ROAD?+
The listing reports pets: Breed Restrictions, Number Limit, Size 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 $519,900, 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 1040 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
Four things that matter here
01Under the TAMPA 33602 market on paper
$519,900 is 12% below the TAMPA 33602 median of $590,000.
02Know 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.
03Fresh on the market
Only 4 days on market in a Tampa market that averages 33 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Erin Bunke. MLS #TB8527983.
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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