2 bedroom Villa at 1674 S LAKE AVENUE #6, NORMANDY PARK SOUTH, CLEARWATER — photo 1Front elevation
New — 2 days on market Villa
$219,500

1674 S LAKE AVENUE #6, CLEARWATER, FL 33756

Villa in NORMANDY PARK SOUTH, CLEARWATER · No CDD · FEMA Zone X
NORMANDY PARK SOUTH · CLEARWATER, FL 33756 · Pinellas
Listing data updated July 8, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,527Sq Ft
1971Year Built
$144Per Sq Ft
No CDDFEMA Zone X
Highlights
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 1971 · 55 yrs
  • 1,527 sq ft of living area
  • $144/sq ft — compared with the displayed median of $154 from recent nearby sales
  • Listed at $219,500 — recent neighborhood median sale price ~$199,500 (nearby sales; deemed reliable, not an appraisal)
  • New to market
  • HOA ~$50/mo (estimate; confirm)

This listing is shown at $219,500, with 2 bedrooms and 2 bathrooms, and 1,527 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.

Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms2
Bathrooms2
Living area1,527 sq ft
Year built1971
Property typeVilla

Financial

Est. monthly payment$1,506
Est. taxes / yr~$2,305
Est. insurance / yr~$1,429
HOA$50/mo
CDDNone on record
Price / sq ft$144

Risk

Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,429/yr

Market

Days on market2
Neighborhood median DOM6
Active listings (area)10
Months of supply13.3
Comparable-sales median$199,500

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Visual snapshot

The numbers, at a glance

Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,429/yr
Estimated homeowners premium; get a real quote.
Months of supply
13.3 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
31/100
Slower market — from supply, under-contract share, and days on market.

Estimated monthly payment

$1,506/mo
  • Principal & interest $1,145/mo 76%
  • Taxes $192/mo 13%
  • Insurance $119/mo 8%
  • HOA $50/mo 3%

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

56/100
Strongest on: Flood safety (95), Renovation upside (84)

A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.

How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.

Price vs area66
This home $144/sq ft vs area median $154/sq ft from recent nearby sales.
Affordability33
List price $219,500 vs area median $199,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1971 build. Obtain a property-specific quote.
Market liquidity53
Area median 6 days on market, ~13.3 months of supply.
Investment metrics10
Objective supply and demand metrics for the area - not investment advice.
Renovation upside84
From a 1971 build and $144/sq ft vs area $154/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Listing facts & disclosures
$219,500
List price
As listed in the MLS
2 / 2
Bed / bath
Per the listing
1,527
Living area
Sq ft (approx.)
$144
Price / sq ft
List ÷ living area

The home

Year built1971
Per public record.
Property typeVilla
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$2,305/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Listing courtesy of THE SHOP REAL ESTATE CO. · Listing agent: Margie Pretzman · 727-593-7777Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Price benchmark

Pricing & market trend in NORMANDY PARK SOUTH

How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.

This home's $/sq ft vs. nearby sales

Price per sq ft · this home vs. recent nearby sales1660 S LAKE AVENUE #11660 S LAKE AVENUE #1: $89/sq ft$891679 S LAKE AVENUE #41679 S LAKE AVENUE #4: $124/sq ft$124This homeThis home: $144/sq ft$1441610 S LAKE AVENUE #41610 S LAKE AVENUE #4: $154/sq ft$1541654 S LAKE AVENUE #21654 S LAKE AVENUE #2: $169/sq ft$1691651 S LAKE AVENUE #11651 S LAKE AVENUE #1: $180/sq ft$180Median $154

Recent sold prices in this community

$82,500$178,750$275,000Nov 2024: $235,000Aug 2025: $199,500Sep 2025: $125,000Dec 2025: $82,500Dec 2025: $189,000Jan 2026: $275,000Feb 2026: $84,000Mar 2026: $105,000May 2026: $149,900This home (list price): $219,500This homeNov 2024May 2026
The Messtimate™

The Messtimate: $189,348 – $258,063

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$189,348the mess$258,063

Actual list price: $219,500 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 36% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
  • The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
  • Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
  • Views & orientation — golf, water, or preserve views aren't in the square footage.
  • Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
  • Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
  • Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
  • Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
  • School zoning & micro-location — one street over can mean a different school, and a different price.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 2 days on market vs. a ~6-day neighborhood median
  • 10 active listings competing in NORMANDY PARK SOUTH
  • 1 under contract now
  • 9% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
  • 13.3 months of supply (one market-context metric; should not be used alone)
  • 9 closed here in the last 12 months

For reference, this home is listed at $219,500 ($144/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,527 sq ft × $124–$169/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 8, 2026.

Property timeline

This home’s history

  • 1971BuiltPer public record
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,006 – $1,463/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$529 – −$118At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check

Every number, sourced

We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$219,500
Bed / bath2 / 2
Living area1,527 sq ft
Year built1971
Property typeVilla
MLS #TB8523298
Listing statusNew — 2 days on market
Days on market2

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
CountyPinellas
Estimated first-year tax~$2,305/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$144
Estimated monthly payment$1,506
Estimated insurance~$1,429/yr
Messtimate range$189,348 – $258,063
Comparable-sales median$199,500

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$1,506
Principal & interest$1,145
Property tax$192
Insurance$119
CDD assessment$0
HOA$50
PMI$0

Down payment $43,900 · Loan $175,600. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$2,305/yr

The seller likely pays less due to the homestead cap. At a $219,500 purchase, expect your first full-year Pinellas bill near $2,305 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$1,429/yr

Estimate for a 1971 build in Pinellas. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Market data · public records

Recent sales activity in NORMANDY PARK SOUTH

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the NORMANDY PARK SOUTH neighborhood guide for more.

Comparable sales found
5

Recent nearby closings in the data set.

Median sale price (set)
$199,500

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$154

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$144

List price divided by living area. Provided as data, not a value judgment.

Go deeper on NORMANDY PARK SOUTH

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Median of the set: $154/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

Keep looking

Similar homes for sale near NORMANDY PARK SOUTH

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Listing description

About this home

Looking for the ease of one-floor living, in-home laundry, and quick access to all the community amenities? Today might just be your lucky day. This welcoming 55+, no-pet community now offers a newly listed 2-bedroom, 2-bath villa that’s ready for someone to make it their own. With a remarkably low HOA fee of just $578 per month, your essentials are practically handled for you. It covers all utilities, cable, internet, exterior maintenance—everything except your electric bill. Talk about peace of mind! Step inside and you’ll immediately feel the charm of a functional, comfortable layout—perfect for everyday living or hosting friends. You’ll appreciate the thoughtful updates the seller has already taken care of, making your future improvements YOUR preference. A short walk to the Pool and Clubhouse, and plenty of close, surrounding amenities, like Eagle Lake County Park, Shopping, Beaches and airports too. Don't delay...see it today!

Description provided by THE SHOP REAL ESTATE CO. and reproduced from the MLS; not independently verified.

The full spec sheet

Property details & features

Interior

  • Bedrooms2
  • Bathrooms2
  • Living area1,527 sq ft

Exterior & lot

  • TypeVilla

Systems

  • Year built1971
  • Age55 yrs

Listing

  • MLS #TB8523298
  • StatusActive
  • Days on market2
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Transparency

Price & listing history

Listed for $219,500Momentum Realty · on market 2 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 1674 S LAKE AVENUE #6 in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.