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Overview

2 bd3 ba1,159 sqftTownhouse
TypeTownhouse
Condo dues$439/mo
Built1985
Lot815 sqft
Living area1,159 sqft
Price / sqft$198

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsSplit BedroomStone CountersThermostatVaulted Ceiling(s)

5205 Oak Charter CT is a 1985-built home in Charter MILL Twnhms A Condo, Temple Terrace. Inside you'll find 2 bedrooms, 3 bathrooms, and 1,159 square feet of living space. Listed at $229,900 (about $198/sqft), 22 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. Condo dues run $439 monthly.

From the listing

Virtually Staged. An amazing find you'll want to buy and treasure! Boasting over $43,000 in upgrades, this beautifully renovated 2-bedroom, 2-bath home is tucked away in the quaint and quiet community of Charter Mill, offering the charm of a townhome with the convenience of condo living. Centrally located near USF, hospitals, shopping, dining, entertainment, sports venues, and major highways, you'll enjoy convenience without sacrificing tranquility. From the moment you step inside, soaring ceilings, abundant natural light, updated doors, contemporary hardware, modern lighting, and oversized luxury plank flooring set the stage. The generously sized living room flows effortlessly into the breakfast bar and completely renovated kitchen, where gorgeous Calacatta quartz countertops complement stylish two-toned (Rich Blue & White) Shaker style cabinetry, all newer Stainless Steel Appliance Package. No expense was spared, and it shows! Just off the kitchen, a cozy dinette area currently doubles as a home office, proving that even your breakfast nook can have a side hustle. Down the hallway, you'll discover a beautifully renovated primary bathroom featuring modern tile, a comfort-height vanity, and a stunning walk-in shower accented with sleek black hardware. With access from both the hallway and primary bedroom, it's as functional as it is fashionable. The light-filled primary bedroom offers ample space, dual closets, and peaceful views of your private, fenced backyard adorned with Florida-friendly landscaping. Imagine starting your mornings with coffee, birdsong, and a little peace before the world starts making demands. And yes, the birds provide the entertainment free of charge! There's even additional outdoor storage conveniently located beside the patio. Back inside, the hallway features laundry hookups, while the staircase near the front entrance leads to a spacious second bedroom/loft. This versatile retreat features a closet, updated ceiling fan with lighting, attic access for additional storage, and its very own full bathroom complete with a tub/shower combination. Perfect for guests who appreciate a little privacy—or those you'd prefer not to have wandering around downstairs in their pajamas! And here's where it gets even better! Exterior maintenance is included, and pets are welcome with no breed or size restrictions. Finally, a place where your four-legged family members don't have to submit a résumé for approval! With an impressive list of upgrades, a fantastic location, and flexible living possibilities, this is one of those rare finds that checks all the boxes without asking you to pick up a renovation project along the way. Schedule your private showing before someone else calls it home! Oh, and did I mention, it's about ten minutes by car to the VA hospital and more.

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The essentials

Built
1985
Price / sqft
$198
On market
22 days
Annual tax
$2,153
Condo dues
$439/mo
Flood zone
X · Low risk
Lot
815 sqft
Type
Townhouse

At a glance

Payment

Est. monthly payment
$1,932/mo
Down payment (20%)
$45,980
Property taxes
$179/mo
Condo dues
$439/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1985
Lot
815 sqft
Cooling
Central Air, Attic Fan
Heating
Central, Electric
Parking
Guest
Days on Market
22
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Private Yard
Sidewalk
Storage
Community Mailbox
Deed Restrictions
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Range
Range Hood
Refrigerator
Washer
Elementary
Pizzo-HB
Middle
Greco-HB
High
King-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,153
Parcel #
T-10-28-19-1HR-000000-00018.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Charter MILL Twnhms A Condo
County
Hillsborough
MLS Area
33617 - Tampa / Temple Terrace
Lot Size
815 sqft
In CountyLandscapedNear Public TransitSidewalkStreet Dead-EndPaved
Condo dues
$439/mo
Charter Mill HOA/Reinier Rivera

Price history

Date
Event
Price
9/24/2026
Listed for sale
Source: Stellar MLS #TB8549806
$229,900+15.0%
$198/sqft
4/12/2024
Sold
Source: Hillsborough County Public Record
$200,000
$173/sqft

Neighborhood

5205 Oak Charter CT
Temple Terrace, FL, 33617 · 33617 - Tampa / Temple Terrace

Market insights

Offer Insights

Choose an offer strength

List price: $229,900
$229,900
99.5% – 100% of listTops out right at the list price
80% of listList price
14 of the last 26 townhouse or villa closings in 33617 landed at this number or higher (54%). The median one sat 34 days before it went under contract, and this one is on day 22.

Sample: 26 closed townhouse or villa sales in 33617 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,932/mo
Principal & interest$1,199
Property taxes$179
Insurance$115
HOA$439
Down payment20% · $45,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$229,900

$198 per sq ft

Beds and baths

2 beds, 3 baths

Size

1,159 sq ft

Time on market

22 days

Year built

1985

Monthly payment

About $1,932/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,153 annual tax bill, insurance, and $439/mo in condo dues.

Condo dues

$439/mo

Managed by Charter Mill HOA/Reinier Rivera.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered bySIGNATURE REALTY ASSOCIATESListing agent: Nicole KrausListing data from Stellar MLS, MLS# TB8549806.

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