For sale Home

Listed Oct 29, 2026

$499,000 Est. $3,300/mo

4405 Floramar Terrace

  • 3

    Beds

  • 2

    Baths

  • 1,445

    Sq ft

The story

  • Waterfront

Virtually Staged. Welcome to your ultimate waterfront paradise in the highly sought-after Gulf Harbors community! This beautifully updated 3-bedroom, 2-full-bath home sits on a wide, deep-water channel offering direct, unrestricted Gulf access. Move right in and enjoy total peace of mind with a NEW ROOF & AC system, stunning new porcelain tile flooring throughout, and a bright open-floorplan kitchen complete with granite countertops, a breakfast bar, and appliances. The exterior has been freshly painted, as well as the garage floor. Step through the screened front entry porch into a light-filled living space, or head to the bedrooms where individual mini-split AC units provide maximum energy efficiency and personalized climate control. The back bedroom or office/sitting room, features elegant French entry doors, while providing waterfront covered deck access via sliding doors onto an over-the-seawall deck extension, framing spectacular wide water views from inside the home. Below decking is the perfect spot to place a spa if desired, where a previous spa was removed. Boaters will fall in love with the private dock equipped with a 10,000 lb boat lift, making a day out on the Gulf an absolute breeze. Another great feature is the custom-made Flow Stop Flood Barriers, included in the sale. Take a short ride to Anclote Island directly west via the North Channel or hang at the sand bar, commonly referred to as “the Bahamas in our backyard”. The members-only private Gulf Harbors Beach Club is a rare find, and one of the only on the west coast! Home is complete with a convenient carport and an attached compact car/golf cart garage, this coastal gem perfectly captures the Florida lifestyle. Located near shopping, banks, restaurants and only 45 minutes to Tampa International Airport. Schedule your private tour today!

Facts & features

Home type

Home

Year built

1961

Floors

1

Price per sq ft

$345

HOA

$125 / annually

Parking

1-car garage

Included features

  • Cooling

    Central Air, Mini-Split Unit(s)

  • Heating

    Electric

  • Appliances

    Dishwasher, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer

  • Flooring

    Ceramic Tile

  • Roof

    Shingle

  • Exterior

    Private Mailbox, Rain Gutters, Storage

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$3,300 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,656
  • Property tax $499
  • Insurance $146

Includes principal, interest, taxes & insurance.

Your Property Journey

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Listing Broker

KELLER WILLIAMS REALTY- PALM HARBOR

Broker Name

KELLER WILLIAMS REALTY- PALM HARBOR

Agent

Judi Pobst