123 DOLPHIN DRIVE S, OLDSMAR, FL, 34677
Active253 days on marketListed Nov 12, 2025MLS #TB8447450
About this home
123 DOLPHIN DRIVE S
Beautiful remodeled home. Move in ready. Plantation shutters thoughout. All new porcelain tile, new appliances. Freshly painted inside and out. Tiled kitchen with open shelving with large corner windows that allow for the light to fill the room. Spacious living and dinning room with a open floor plan. Primary bedroom has adjoining ensuite with bay windows and walkin closet. Guest Bedroom is also spacious with a walkin closet. Good size laundry room with washer and dryer is inside house. The HOA fee is only $60 monthly and you own the land. Great location and there is a community club house and pool.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,248
Sqft
0.1 ac
Lot size
1984
Year built
One
Levels
$208
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.
$1,900 /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
$1,900/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
+43.1%
$/sqft vs GULL-AIRE VILLAGE
$208 vs $162
Days on market
253 vs 43 typical
Where $208/sqft sits among the 16 homes for sale in GULL-AIRE VILLAGE
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
$360K → $355K
Oldsmar median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
10 of 16
GULL-AIRE VILLAGE have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 123 DOLPHIN DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$170,000
192 BLUE MARLIN DRIVE · same community
2 bd · 2 ba · 1,274 sqft · $133/sqft · 166 DOM
Sold · Sep ’25$145,500
125 DOLPHIN DRIVE S · same community
2 bd · 2 ba · 1,216 sqft · $120/sqft · 145 DOM
Sold · Jul ’26$115,000
472 TROUT LANE · same community
3 bd · 2 ba · 1,296 sqft · $89/sqft · 449 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 123 DOLPHIN DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 DOLPHIN DRIVE S — 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
123 DOLPHIN DRIVE S FAQs
What would the monthly payment be for 123 DOLPHIN DRIVE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,900/mo — principal and interest, the actual property-tax bill, the $60/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 123 DOLPHIN DRIVE S?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 123 DOLPHIN DRIVE S?+
The most recent tax bill on record (2025) was $419. 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 123 DOLPHIN DRIVE S?+
The listing reports pets: Cats OK, Dogs OK. 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 $259,900, this home is listed about 24% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 123 DOLPHIN DRIVE S?+
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
01Time on market is leverage
253 days on market against a Oldsmar median of 43 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $270,000, now $259,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PAM RYAN REALTY INC · Ruthann Underwood. MLS #TB8447450.
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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