Terrace Oaks Townhomes
Homes for Sale in Tampa, FL
All 3,772 homes for sale in Tampa, FL · median $429,000 · 541 townhomes for sale in Tampa · 99 homes for sale in 33617 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Terrace Oaks Twnhms in Tampa, FL has 1 home for sale. As of November 2026, the MLS records 1 closed sale in Terrace Oaks Twnhms in Tampa, FL, the most recent in October 2026. Across Tampa as a whole, 7,766 homes closed in the last 12 months at a median of $430,000, 35 median days on market, with 3,282 homes for sale today. At that median and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $6,760 ($6,140 with the full homestead exemption).
Last 30 days in Terrace Oaks: 1 closed sale (median $225,000). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Terrace Oaks is a small, uniform townhome community - 46 homes, all built in 1986, clustered right around 1,193 square feet. When everything was built the same year at the same size, price is driven almost entirely by condition and updates rather than floor plan or vintage. Expect a wide spread between a renovated interior and one that still wears its original finishes.
The current posture leans toward buyers. With one active listing against 12 months of supply and thin recent closing activity, there is no urgency pushing offers up. Sellers should price to condition and be patient; buyers have room to be selective and to negotiate rather than chase.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Terrace Oaks Townhomes right now
🟢 Buyer-leaning market. 12.0 months of supply and 50% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
A compact 1986 townhome community of 46 homes with a shared pool, where the near-identical size and age mean condition is the main thing separating one listing from the next.
Stellar MLS sales records identify 29 homes in Terrace Oaks Townhomes that have changed hands since 2008, built between 1986 and 1986 (median 1986), with a median living area of about 1,125 sq ft and a typical 2-bedroom, 2-bath layout; 83% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Terrace Oaks Townhomes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Terrace Oaks Townhomes
Terrace Oaks Townhomes
Terrace Oaks TownhomesPhotos from Stellar MLS listings in Terrace Oaks Townhomes; content deemed reliable but not guaranteed.
Who Terrace Oaks Townhomes is best for.
Best for
- Buying a low-maintenance townhome and willing to trade square footage for simplicity
- Buyers who have time to shop carefully and want negotiating room in a slower market
- Buying to hold as an investment, after confirming HOA rental rules and reserves
Probably not for
- Needing newer construction or homes significantly larger than roughly 1,193 square feet
- Wanting a broad amenity package beyond a pool and community mailbox
- Needing a quick purchase or sale in a deep, fast-moving inventory pool
The market around Terrace Oaks Townhomes
Terrace Oaks Townhomes is too small for its own price trend, so here is the market around it.
In ZIP 33617, 193 homes are on the market and 20% are under contract — a steady corner of Tampa.
Across Hillsborough County, 6,324 homes are active and 1,810 pending (22% under contract).
In ZIP 33617 (Tampa), 140 homes closed in the last 12 months at a median of $335K ($226/sq ft), up 2.0% year over year, with a median 27 days on market. Right now 49 active and 14 pending listings put supply at about 4.2 months - a balanced market. See the live ZIP 33617 housing market and the Hillsborough County market.
ZIP and county figures describe the wider market, not Terrace Oaks Townhomes specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Terrace Oaks Townhomes
Live MLS inventory for Terrace Oaks Townhomes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Terrace Oaks Townhomes listings as of 2026-10-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2025. Tap any home to ask about it.
Terrace Oaks Townhomes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Terrace Oaks Townhomes
- Pool · reported on 2 of 2 listings
- Community Mailbox · reported on 1 of 2 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hillsborough County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Terrace Oaks Townhomes listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Terrace Oaks Townhomes address.
Shop the zone: Homes zoned for King-Hb High School
The Terrace Oaks Townhomes buying strategy.
If we were buying in Terrace Oaks Townhomes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Terrace Oaks Townhomes.
A condition-driven townhome market
Because every home here dates to 1986 and lands close to 1,193 square feet, this is a case where the product is standardized and the variable is upkeep. Renovated kitchens, baths, roofs, and systems carry the value here; original units will show it in both the sale and the inspection. Review what has and hasn't been updated before you anchor on the median.
Homestead share sits around 30%, meaning a meaningful portion of these townhomes are held as rentals or second homes rather than owner-occupied. That matters for financing, HOA dynamics, and resale, so confirm the HOA's rules, reserves, and any rental caps. Amenities are modest - a community pool and shared mailbox - and should be verified directly with the HOA.
The location and the amenities are priced into every listing in Terrace Oaks Townhomes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a standardized community like this, our job is to price and read condition accurately - what a renovated unit should command versus an original one, and where the inspection risks hide in a 1986 build. With a buyer-leaning market and limited inventory, we help sellers position realistically and give buyers the leverage the numbers actually support.
Terrace Oaks Townhomes in 15 seconds.
Tools for a Terrace Oaks Townhomes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Terrace Oaks Townhomes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Terrace Oaks Townhomes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Terrace Oaks Townhomes home worth?
Get a no-obligation home value based on real comparable sales in Terrace Oaks Townhomes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Terrace Oaks Twnhms
Homes in Terrace Oaks Twnhms that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 10344 Councils Way · off market
| Location | Tampa, Hillsborough County, FL · ZIP 33617 |
|---|---|
| Homes in the community | 46 (FL DOR 2025 assessment roll) |
| Years built | 1986–1986 (median 1986.0) |
| Typical living area | 1,193 sq ft (median) |
| Amenities listed by sellers | Pool |
| For sale right now | 1 active, 0 pending · median asking $215,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 30% |
| Zoned public schools | Hillsborough County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Terrace Oaks Townhomes key facts,” movewithmomentum.com/neighborhoods/terrace-oaks-twnhms-tampa, data as of November 13, 2026.
Housing distress & ownership in Terrace Oaks Twnhms, Tampa
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Terrace Oaks Twnhms Right Now (1)
All 1 active and pending Terrace Oaks Twnhms listings with a detail page, newest first, refreshed twice a day from the MLS.
- 10306 Councils Way · $215,000 · 3 bd / 2 ba · listed Aug 20, 2026 · listed by Lpt Realty, Llc.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Councils Way (13 homes on record)
- Councils Way (10 homes on record)
- Councils Way (1 homes on record)
Email me new listings in Terrace Oaks Townhomes
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Terrace Oaks Townhomes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Terrace Oaks Townhomes will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Terrace Oaks Townhomes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $275/month across 3 MLS listings (most billed monthly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Hillsborough County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Hillsborough County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
15% of homes for sale in ZIP 33617 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-14).
Frequently Asked Questions
Is Terrace Oaks Townhomes a buyer's or seller's market right now?
How many homes are in Terrace Oaks Townhomes?
What share of Terrace Oaks Townhomes is owner-occupied?
When were the homes in Terrace Oaks Townhomes built?
What schools serve Terrace Oaks Townhomes?
Who is the best real estate agent for Terrace Oaks Townhomes?
How do I find a top Tampa real estate agent who knows Terrace Oaks Townhomes?
Can Momentum Realty connect me with an agent for Terrace Oaks Townhomes?
Where is Terrace Oaks Townhomes, and what county is it in?
Should you buy in Terrace Oaks Townhomes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 33617)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2015 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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