10503 PALM COVE AVENUE, TAMPA, FL, 33647
Active207 days on marketListed Jan 19, 2026MLS #O6375153
About this home
10503 PALM COVE AVENUE
Empty Nest Home for Sale Ideally, we're downsizing and looking for a condo or smaller home in New Tampa, Wesley Chapel, Tampa Palms or Zephryhills. My house in Heritage Isles Golf & Country Club Community is now much bigger than we can maintain. It has been substantially empty for several years and if it wasn’t for amazing features, we wouldn’t have kept such a huge place that long. It has so many great features including: * Simi Private Pond almost exclusive to my backyard. * Cul-De-Sac with dominant 2 story high with impressive visibility from the beginning of our street. * Big pie-shaped lot. * Next to Conservation. * Brand New Roof with upgraded materials and long life transferable warranty. * Heated Swimming Pool & Spa with massaging jets, fountains, baby bath and rainbow streams. * 2-story high pool enclosure with Superscreen fiberglass fabric. * 12 ft X 36 ft tiled Balcony overlooking the pool from the Master Bedroom. * Oversized tented sliding doors and windows to watch the beautiful sunset in addition to the pool and lake with lighted fountain. * Outdoor Furnishings like parks with metal seats, precast table and unique Hardscaping. * Landscaping with many extra Palms around and flower beds with River Rocks. * Partial Golf Course view. * Marble first floor, Laminate second floor and Combination of both for the long iconic stairs. * Instant electric water heater good for the entire house. * Low HOA fees of only $170/year. * Gated Community. * first and only owner since it was built in 2008. * Many other extras o be shown upon a scheduled visit. It’s 5 bedrooms, 3.5 baths, full size dining room, Laundry, 2-story high Family room and an office that can be part of In-Law Suite and has its own porch. Please see Quick & Slow Virtual Tours.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,800
Sqft
0.33 ac
Lot size
3
Garage
2007
Year built
Two
Levels
$226
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.
$5,762 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,762/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
vs edgeAI estimate
−3.8%
$/sqft vs Tampa actives
$226 vs $301
Days on market
207 vs 43 typical
Where $226/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 Heritage Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tampa. See the full Tampa guide →
Heritage Isles — neighborhood snapshot
Population
2,860
Median age
37
Median income
$144,753
Median home value
$437,862
Avg household
3
Households w/ children
483
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
$413K → $430K
Tampa median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
226 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 139% above the TAMPA 33647 median. See the full Tampa market guide →
Paper trail
This home's history
Reality check
What actually sold near 10503 PALM COVE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$545,000
10517 PALM COVE AVENUE · same community
5 bd · 3 ba · 3,084 sqft · $177/sqft · 254 DOM
Sold · Jun ’26$660,000
10515 CANARY ISLE DRIVE
6 bd · 4.5 ba · 3,743 sqft · $176/sqft · 61 DOM
Sold · Dec ’25$980,000
10521 BERMUDA ISLE DRIVE
4 bd · 4 ba · 3,709 sqft · $264/sqft · 100 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10503 PALM COVE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10503 PALM COVE AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
10503 PALM COVE AVENUE FAQs
What would the monthly payment be for 10503 PALM COVE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,762/mo — principal and interest, the actual property-tax bill, the $10/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 10503 PALM COVE AVENUE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10503 PALM COVE AVENUE?+
The most recent tax bill on record (2025) was $7,542. 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 10503 PALM COVE AVENUE?+
The listing reports pets: Yes. 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 $860,000, this home is listed about 91% above the Tampa median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10503 PALM COVE AVENUE?+
Heritage Elementary School (elementary), Benito Middle School (middle), Wharton High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$860,000 runs 139% above the TAMPA 33647 median — but at 3,800 sqft it's also nearly twice the size of the typical Tampa listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
207 days on market against a Tampa median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Heritage Elementary School, Benito Middle School, Wharton High School, Patricia Sullivan Metropolitan Ministries Partnership School — Benito Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6375153.
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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