190 WATER OAK WAY, OLDSMAR, FL, 34677
Active16 days on marketListed Jul 16, 2026MLS #J1003203
About this home
190 WATER OAK WAY
Experience the perfect blend of elegance, comfort, and breathtaking views in this exceptional home located in the highly desirable Woodland Estates within the gated community of East Lake Woodlands. Overlooking a serene pond and the 8th hole of the South Golf Course, this stunning residence offers the lifestyle you've always dreamed of. Step through the impressive double-door entry into a tiled foyer that opens to a dramatic living area featuring soaring 20-foot cedar ceilings and a spectacular floor-to-ceiling wood-burning brick fireplace. Expansive windows and sliding glass doors showcase beautiful golf course and water views while filling the home with natural light. The kitchen is designed for both functionality and entertaining. The half bath adds convenience for guests. Retreat to the spacious master suite complete w. a sitting area, abundant closet space, and private sliders leading to the screened lanai. This is more than a home, it's a lifestyle opportunity you don't want to miss. East Lake Woodlands is less than 30 minutes from the airport, about 20 minutes from sandy beaches, and close to shopping, restaurants, parks, and more. Zoned for A-rated schools, the community features two championship golf courses, a country club, tennis, pool, fitness center, and other amenities.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,061
Sqft
0.2 ac
Lot size
2
Garage
1977
Year built
One
Levels
$307
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.
$4,619 /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
$4,619/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
+16.3%
$/sqft vs EAST LAKE WOODLANDS
$307 vs $269
Days on market
16 vs 43 typical
Where $307/sqft sits among the 6 homes for sale in EAST LAKE WOODLANDS
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 East Lake Woodlands
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
East Lake Woodlands — neighborhood snapshot
Population
7,647
Median age
53
Median income
$107,049
Median home value
$399,307
Avg household
2
Households w/ children
583
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
$360K → $355K
Oldsmar median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
2 of 6
EAST LAKE WOODLANDS have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 154% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 190 WATER OAK WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$650,000
20 FERNBROOK ROAD · same community
4 bd · 2 ba · 2,147 sqft · $303/sqft · 2 DOM
Sold · Oct ’25$635,000
455 HICKORYNUT AVENUE · same community
3 bd · 2 ba · 1,943 sqft · $327/sqft · 1 DOM
Sold · Aug ’25$475,000
50 WATER OAK WAY · same community
3 bd · 2 ba · 1,921 sqft · $247/sqft · 59 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 190 WATER OAK WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 190 WATER OAK WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
190 WATER OAK WAY FAQs
What would the monthly payment be for 190 WATER OAK WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,619/mo — principal and interest, the actual property-tax bill, the $140/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 190 WATER OAK WAY?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 190 WATER OAK WAY?+
The most recent tax bill on record (2025) was $8,058. 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 190 WATER OAK WAY?+
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 Oldsmar?+
At $632,000, this home is listed about 85% above the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 190 WATER OAK WAY?+
Forest Lakes 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
Four things that matter here
01Positioned at the premium end
$632,000 runs 154% above the OLDSMAR 34677 median — but at 2,061 sqft it's also 49% larger than the typical Oldsmar listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Forest Lakes Elementary School, Joseph L. Carwise Middle School, East Lake High School — Forest Lakes Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $640,000, now $632,000 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1003203.
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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