3-Bedroom Townhome in SUN KETCH TWNHMS AT CYPRESS LAKES
216 HEMINGWAY DRIVE, OLDSMAR, FL 34677
Townhouse in SUN KETCH TWNHMS AT CYPRESS LAKES, OLDSMAR · No CDD
SUN KETCH TWNHMS AT CYPRESS LAKES · OLDSMAR, FL 34677 · Pinellas
Listing data updated August 23, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
1,452Sq Ft
1997Year Built
$272Per Sq Ft
1-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$272 here vs $249 median sold (12 mo)
Buyer leverage
Buyer advantage
2 days on market
8.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 3
Price vs recent sales
Asking $395k tops 3 of the last 3 closed sales; also one of the largest homes here at 1,452 sq ft
Listed at $395,000 — recent neighborhood median sale price ~$300,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · SUN KETCH TWNHMS AT CYPRESS LAKES
Pricing & the SUN KETCH TWNHMS AT CYPRESS LAKES market
How this home is priced against recent nearby sales, and where SUN KETCH TWNHMS AT CYPRESS LAKES has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in SUN KETCH TWNHMS AT CYPRESS LAKES
Each dot is a closed sale since 2014 (35 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2016–2026. This home lists at $272/sq ft.
Median sale price by year
12-month median closed price, 2016–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 26 (cold).
Property timeline
This home’s history
1997BuiltPer public record
Aug 22, 2026First trackedObserved at $395,000
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.
Financing
Estimated monthly payment
$2,612/mo
Principal & interest $2,033/mo78%
Taxes $346/mo13%
Insurance $184/mo7%
HOA $50/mo2%
$2,612/mo at 20% down, 30-yr @ 6.67% · edit any field to update.
Strongest on: Flood safety (95), Market timing (74)
0 limited50100 exceptional
47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area27
This home $272/sq ft vs the community 12-month median $249/sq ft.
Affordability0
List price $395,000 vs the community median $300,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1997 build. Obtain a property-specific quote.
Market liquidity32
Community median 57 days on market, ~8.0 months of supply (12-month record).
Renovation upside33
From a 1997 build and $272/sq ft vs the community median $249/sq ft. Not a condition assessment.
Buyer competition33
67% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power64
Recent sales closed at about 95.3% of original asking (~4.7% below). More room below asking generally favors buyers.
Market timing74
Momentum Market Heat is 26/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 2 days on market for this home, against a 57-day area median.Days on market:this home 2Area median: 57 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. As of August 2, 2026.
🟡 Asking $272 per square foot, about 9% above the community’s $249 median. SUN KETCH TWNHMS AT CYPRESS LAKES’s 12-month median sold price per square foot is $249. Median sold price per square foot is down 22.1% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent SUN KETCH TWNHMS AT CYPRESS LAKES sales closed near 95.3% of original asking. Cash paid for about 67% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in SUN KETCH TWNHMS AT CYPRESS LAKES, no CDD assessment.
Updated August 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome home to this beautifully updated pond front three-bedroom, 2½-bath townhome with a one-car garage in the desirable Sun Ketch community of Oldsmar! Best of all, the low $265/month HOA fee covers exterior maintenance, grounds care, the roof, and offering truly low-maintenance living. Residents also enjoy a community pool just steps from the home, making it easy to relax and enjoy the Florida lifestyle.
Step inside to a welcoming foyer with a convenient half bath for guests. Continue into the bright, open-concept main living area, which boasts Travertine tile flooring, and where the beautifully updated kitchen features white cabinetry, quartz countertops, a breakfast bar, ample storage, and a fantastic corner pantry with built-in shelving. The kitchen flows seamlessly into the living and dining room, creating an ideal space for everyday living and entertaining.
Pocket sliding doors lead to the screened-in lanai and brick-paver patio, where you can enjoy peaceful pond views and a private, fenced outdoor space. Upstairs, the spacious primary suite is positioned at the front of the home and features vaulted ceilings, an oversized wall closet, and a private en-suite bath with a step-in shower. Down the hall, the beautifully updated guest bath offers a tub/shower combination, while a linen closet provides additional storage.
The two secondary bedrooms are located at the rear of the home, with one featuring a sizable walk-in closet and the other offering a generous wall closet. The entire second floor is light and bright with high-volume ceilings and attractive wood-look luxury vinyl plank flooring. Thoughtful storage continues throughout the home, including great under-stair storage, a laundry room with cabinetry, and direct access to the one-car garage.
Recent updates in 2023 include quartz kitchen countertops, luxury vinyl plank flooring upstairs, carpeting on the staircase, reglazing of the guest bathtub, four new PGT hurricane rated windows (two double hung in the primary and sliding windows in the rear bedrooms), and a vinyl-coated chain-link fence enclosing the rear patio area overlooking the water. With these improvements already completed, there is truly nothing left to do but move in and start enjoying your new home. Located in a convenient Oldsmar location near Tampa Road, approximately 20 minutes to Tampa International Airport (TPA), St.
Pete-Clearwater International Airport (PIE) and popular Honeymoon Island, you’ll also have easy access to restaurants, shopping, and so much more. Add in the community pool, peaceful pond setting, garage, and low-maintenance HOA lifestyle, and this wonderful townhome offers the perfect blend of comfort, convenience, and Florida living. Come see it for yourself!
Description provided by KELLER WILLIAMS REALTY- PALM HARBOR and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$395,000
Bed / bath3 / 2.5
Living area1,452 sq ft
Year built1997
Property typeTownhouse
Garage1-car
MLS #TB8539671
Listing statusNew — 2 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyPinellas
Area listings2 active · 0 under contract
Estimated first-year tax~$4,148/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$272
Estimated monthly payment$2,612
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$300,000
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
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Listing agent: Vanessa Leonard · 727-772-0772Provided 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.
The Messtimate™
The Messtimate
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.
$317,988the mess$405,108
Actual list price: $395,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 2 days on market vs. a 57-day community median
2 active listings competing, 1 under contract
≈8.0 months of supply
3 closed here in the last 12 months
For reference, this home is listed at $395,000 ($272/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.
Methodology: 1,452 sq ft × $219–$279/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 23, 2026.
Keep looking
Similar homes for sale near SUN KETCH TWNHMS AT CYPRESS LAKES
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.
Listed for $395,000Momentum Realty · on market 2 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,148/yr
A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
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; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in SUN KETCH TWNHMS AT CYPRESS LAKES
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 SUN KETCH TWNHMS AT CYPRESS LAKES neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$300,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$249
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SUN KETCH TWNHMS AT CYPRESS LAKES
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
Why it matters: Adds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The site is about 1 mile west of Sun Ketch Twnhms At Cypress Lakes.
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
Why it matters: Establishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The project is about 20 miles southwest of Sun Ketch Twnhms At Cypress Lakes, elsewhere in Pinellas County.
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 21 miles southwest of Sun Ketch Twnhms At Cypress Lakes, elsewhere in Pinellas County.
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
Why it matters: Adds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 22 miles southwest of Sun Ketch Twnhms At Cypress Lakes, elsewhere in Pinellas County.
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.
GRADEA
Forest Lakes Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Carwise Middle-PNAssigned middle school · Pinellas County School District
GRADEA
East Lake High-PNAssigned high school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Sold Sep 2025
$350,000
284 HEMINGWAY DRIVE, OLDSMAR
3 / 2.5 bd/ba · 1,604 sq ft · $218/sq ft
Courtesy of MCPEAK REALTY GROUP INC · View details →
Sold Jun 2026
$300,000
208 HEMINGWAY DRIVE, OLDSMAR
2 / 2 bd/ba · 1,207 sq ft · $249/sq ft
Courtesy of RE/MAX MARKETING SPECIALISTS · View details →
Sold Mar 2026
$276,000
248 HEMINGWAY DRIVE, OLDSMAR
2 / 2 bd/ba · 1,086 sq ft · $254/sq ft
Courtesy of DALTON WADE INC · View details →
Community 12-month median: $249/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.
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$1,810 – $2,633/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$856 – −$116At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
OLDSMAR
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: August 23, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
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 216 HEMINGWAY DRIVE 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.
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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
