PHOENIX AVENUE, OLDSMAR, FL, 34677
Active70 days on marketListed May 12, 2026MLS #S5149116
About this home
PHOENIX AVENUE
NICE WATERFRONT BUILDABLE LOT! LOCATED ON MOCCASIN CREEK WITH EASY ACCESS TO THE BAY! CREEK FRONTAGE IS 50 FEET! NO HOA! LOW TAXES! SHORT DISTANCE TO HONEYMOON ISLAND, PALM HARBOR, BEST GULF BEACHES, SHOPPING, RESTAURANTS & TAMPA INTERNATIONAL AIRPORT! PARTIALLY CLEARED! BUY TODAY AND BUILD AT ANY TIME!
Facts & features
The home at a glance
0.28 ac
Lot size
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.
$1,102 /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
$1,102/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.
Where it sits
Inside West Oldsmar
Get to know Oldsmar. See the full Oldsmar guide →
West Oldsmar — neighborhood snapshot
Population
1,057
Median age
37
Median income
$90,345
Median home value
$486,400
Avg household
2
Households w/ children
120
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)
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near PHOENIX AVENUE
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$325,000
3164 DUANE AVENUE · same community
3 bd · 2 ba · 1,044 sqft · $311/sqft · 160 DOM
Sold · Nov ’25$275,000
3071 HURON AVENUE · same community
3 bd · 2.5 ba · 1,680 sqft · $164/sqft · 4 DOM
Sold · Dec ’25$735,000
3765 SHORE BOULEVARD · same community
4 bd · 2 ba · 1,860 sqft · $395/sqft · 89 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 PHOENIX AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for PHOENIX AVENUE — 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
PHOENIX AVENUE FAQs
What would the monthly payment be for PHOENIX AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,102/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 PHOENIX AVENUE?+
The most recent tax bill on record (2025) was $668. 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 $140,000, this home is listed about 59% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to PHOENIX AVENUE?+
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
01Under the OLDSMAR 34677 market on paper
$140,000 is 45% below the OLDSMAR 34677 median of $252,500.
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 CHARLES RUTENBERG REALTY ORLANDO · Yelena Kirichenko. MLS #S5149116.
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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