650 TIMBER BAY CIRCLE W, OLDSMAR, FL, 34677
Active0 days on marketListed Aug 6, 2026MLS #TB8536069
About this home
650 TIMBER BAY CIRCLE W
CHARMING 3 bed, 1 bath impeccable home in downtown Oldsmar area. NEW interior doors, NEW stove, NEW baseboards, NEW bathroom vanity, lighting, mirror,, NEW remote control ceiling fans with lights, NEW carriage lights (front and back) NEW GFCI outlets, NEW paint interior, exterior, NEW paint garage, patio, NEWER windows and slider with integral blinds (2023, 2026), HWH 2025, DISHWASHER 2023, MICROWAVE 2022, ROOF 2022. Use your imagination with the oversized patio for a total outside living experience; large fenced yard. This home is located a short distance from Mobbly Bayou waterfront park, RE Olds park with fishing pier, event and picnic areas, playgrounds, volleyball, and Bicentennial Park with tennis and pickleboard courts, shaded walking paths, and home to Adventure Zip Line Tours. Shopping, restaurants, theater, athletic facilities, museum, school and library all only minutes away. WORLD CLASS BEACHES and TAMPA INTERNATIONAL AIRPORT are both nearby. Zoned for Oldsmar Elementary School (A rated) and NOW a K through 8 school.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
924
Sqft
0.16 ac
Lot size
1
Garage
1984
Year built
One
Levels
$352
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 — not generic estimates.
$2,403 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,403/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−13.2%
Days on market
0 vs 56 typical
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 Oldsmar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
OLDSMAR 34677 — neighborhood snapshot
Population
22,337
Median age
47.3
Median income
$85,389
Median home value
$352,200
Avg household
2.49
Households w/ children
2,157
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oldsmar market
$400K → $470K
Oldsmar median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
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
Natasha Boges
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 650 TIMBER BAY CIRCLE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 TIMBER BAY CIRCLE W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Natasha's phone and CRM.
Straight answers
650 TIMBER BAY CIRCLE W FAQs
What would the monthly payment be for 650 TIMBER BAY CIRCLE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,403/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 650 TIMBER BAY CIRCLE W?+
The most recent tax bill on record (2025) was $2,230. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Oldsmar?+
At $325,000, this home is listed about 5% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 650 TIMBER BAY CIRCLE W?+
Oldsmar Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$325,000 runs 30% above the OLDSMAR 34677 median.
02Fresh on the market
Listed today in a Oldsmar market that averages 56 — if it fits, move quickly.
03Strong assigned schools
Oldsmar Elementary School, Joseph L. Carwise Middle School, East Lake High School — Oldsmar Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of FUTURE HOME REALTY INC · Ginger Tatarzewski. MLS #TB8536069.
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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