413 COUNTRY CLUB DRIVE, OLDSMAR, FL, 34677
Active38 days on marketListed Jul 3, 2026MLS #O6422167
About this home
413 COUNTRY CLUB DRIVE
Wake up to water views and end your day watching the sun set over the canal. This renovated 3-bedroom, 2-bathroom waterfront home sits on a spacious 0.21-acre lot with no HOA in the established Oldsmar Country Club Estates, and its best feature is right out the back door: direct water access with a scenic trail leading all the way to Tampa Bay. Launch a kayak or paddleboard from your own backyard and be on the water in minutes. Inside, the home is move-in ready with luxury vinyl flooring throughout and an open, light-filled layout. The renovated kitchen features stainless steel appliances, quartz countertops, and generous cabinetry. The primary suite gives a comfortable retreat with an updated bathroom, modern vanity, designer lighting, and a tiled walk-in shower. Sliding doors off the main living area open to an expansive backyard where the waterfront views take center stage. Enjoy morning coffee, evening entertaining, or simply unwind by the water. The location matches the lifestyle. Walk, bike, or take your golf cart to Mobbly Bayou Beach Park, a public boat launch to Tampa Bay, Tampa Bay Pickleball, Veterans Park, Bicentennial Park, and RE Olds Park. You are also close to Empower Adventures Zip Line and the Oldsmar Organic Community Garden, with Tampa International Airport about 20 minutes away. Zoned for well-regarded schools including Oldsmar Elementary, Joseph L. Carwise Middle, and East Lake High. This is a rare opportunity to own a renovated waterfront home with no HOA in one of Oldsmar's most sought-after communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,323
Sqft
0.21 ac
Lot size
1959
Year built
One
Levels
$246
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.
$2,535 /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
$2,535/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
−4.8%
$/sqft vs Oldsmar actives
$246 vs $227
Days on market
38 vs 57 typical
Where $246/sqft sits among the 149 Oldsmar 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 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)
91 of 149
Oldsmar actives have cut their price
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
Reality check
What actually sold near 413 COUNTRY CLUB DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$364,000
202 DUNKIRK ROAD · same community
3 bd · 2 ba · 1,212 sqft · $300/sqft · 0 DOM
Sold · Nov ’25$250,000
206 DUNKIRK ROAD · same community
3 bd · 2 ba · 1,116 sqft · $224/sqft · 52 DOM
Sold · Aug ’25$420,000
635 TIMBER BAY CIRCLE E
3 bd · 2 ba · 1,324 sqft · $317/sqft · 0 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 413 COUNTRY CLUB DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 413 COUNTRY CLUB DRIVE — 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
413 COUNTRY CLUB DRIVE FAQs
What would the monthly payment be for 413 COUNTRY CLUB DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,535/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 413 COUNTRY CLUB DRIVE?+
The most recent tax bill on record (2024) was $3,829. 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 413 COUNTRY CLUB DRIVE?+
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 $324,900, this home is listed about 4% below the Oldsmar median of $337,450. The market section on this page shows how the area is trending.
Which schools are assigned to 413 COUNTRY CLUB DRIVE?+
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
$324,900 runs 30% above the OLDSMAR 34677 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6422167.
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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