David Ramirez
$339,9003 bd2 ba1,682 sqft$202 /sqft$2,532 /mo all-in ↓

10312 OLD TAMPA BAY DRIVE, SAN ANTONIO, FL, 33576

Active120 days on marketListed Apr 13, 2026MLS #TB8493796

Single Family ResidenceTAMPA BAY GOLF & TENNIS CLUB PH 04

About this home

10312 OLD TAMPA BAY DRIVE

If you're seeking a gorgeous, 1,682 square foot move-in ready home in the amazing Tampa Bay Golf & Country Club community, this is it! HVAC was new in 2020, the lanai was equipped with new windows/screen in 2020 and the roof was new in 2019. This home has amazing curb appeal featuring pristine landscaping, with lava rock, new exterior paint, paver driveway and so much more. All three bedrooms, and the Primary bathroom have beautiful plantation shutters, spectacular hardwood floors, and more. The garage has a utility sink, a ton of storage, and owned water softener, as well as a portable Generac generator. Solid white solid wood cabinetry, tasteful backsplash, granite and new stainless steel appliances. The lanai is amazing! 17.5'X12' with real sliding windows with screens and ceramic tile floor. TBG&CC has two incredible golf courses, the 18-hole Championship course and a 9-hole executive course. The golf courses here are impeccable and very well-maintained. Tampa Bay Golf & Country Club is Tampa Bay's premier active 55+ community featuring two swimming pools (the large resort-style pool has fountains and is heated to a balmy 80 degrees). Pickleball, tennis, cards, bocce, shuffleboard, cornhole, and more activities than anyone could possibly do! Our new activities center has a HUGE fitness center with state-of-the-art fitness equipment, a beautiful billiards room, and an amazing card room. TBG&CC has no CDD and very affordable HOA charges, which include Cable/Internet/DVR and Mini Box. The Tampa Bay Golf & Country Club is Tampa Bay's most desirable 55+ Active community. All room sizes are approximate and should be confirmed by buyer(s). There is a ONE-TIME Social Membership Fee of $3,500.00 due at closing. Some of the photos were virtually staged.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,682

Sqft

0.11 ac

Lot size

2

Garage

2004

Year built

One

Levels

$202

Per sqft

55+ community

Inside

FlooringCeramic Tile · Engineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Chair Rail · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Reverse Cycle

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Rain Gutters

Community & fees

HOA fee$87/mo
Taxes (2025)$1,605/yr
PetsBreed Restrictions, Cats OK, Dogs OK
CommunityAssociation Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterNone

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.

$2,532 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,001
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$134
HOA fee — from the listing$87
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,897Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,897
Interest rate6.00%
Loan term

Estimated payment

$2,532/mo

Principal & interest$2,001
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$134
HOA / condo fee$87
Est. insurance$160

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.

List $340K
$302KedgeAI estimate $319,820 · range $315K$332K$353K

vs edgeAI estimate

+6.3%

$/sqft vs San Antonio actives

$202 vs $201

Days on market

120 vs 77 typical

Where $202/sqft sits among the 136 San Antonio actives

34
50 · this home
27
12
3
10
$161–183$183–205$205–227$227–249$249–271$271+

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 San Antonio

Map of 10312 OLD TAMPA BAY DRIVE

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)49 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know San Antonio. See the full San Antonio guide →

SAN ANTONIO 33576 — neighborhood snapshot

Population

6,415

Median age

61.1

Median income

$77,950

Median home value

$330,500

Avg household

2.21

Households w/ children

337

For the school run

Pasco County School District

ElementarySan Antonio Elementary School★★★★
HighPasco High School★★★★
MiddlePasco Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The San Antonio market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s market

$360K$290K

San Antonio median sold, yr/yr

97.5%

Sale-to-list ratio (12 mo)

79 of 136

San Antonio actives have cut their price

Median sold price, San Antonio, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 7% above the SAN ANTONIO 33576 median. See the full San Antonio market guide →

Paper trail

This home's history

Apr 13, 2026Listed at $339,900 · 120 days on market since
2004Built · TAMPA BAY GOLF & TENNIS CLUB PH 04

Reality check

What actually sold near 10312 OLD TAMPA BAY DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10505 OLD TAMPA BAY DRIVESold · Dec ’25

$410,000

10505 OLD TAMPA BAY DRIVE · same community

3 bd · 2 ba · 1,753 sqft · $234/sqft · 0 DOM

10513 OLD TAMPA BAY DRIVESold · Jan ’26

$420,000

10513 OLD TAMPA BAY DRIVE · same community

3 bd · 2 ba · 1,870 sqft · $225/sqft · 45 DOM

10324 CHATUGE DRIVESold · Sep ’25

$245,000

10324 CHATUGE DRIVE · same community

2 bd · 2 ba · 1,440 sqft · $170/sqft · 118 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10312 OLD TAMPA BAY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10312 OLD TAMPA BAY DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

10312 OLD TAMPA BAY DRIVE FAQs

What would the monthly payment be for 10312 OLD TAMPA BAY DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,532/mo — principal and interest, the actual property-tax bill, the $87/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 10312 OLD TAMPA BAY DRIVE?+

The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10312 OLD TAMPA BAY DRIVE?+

The most recent tax bill on record (2025) was $1,605. 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 10312 OLD TAMPA BAY DRIVE?+

The listing reports pets: Breed Restrictions, 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 San Antonio?+

At $339,900, this home is listed about 6% below the San Antonio median of $359,999. The market section on this page shows how the area is trending.

Which schools are assigned to 10312 OLD TAMPA BAY DRIVE?+

San Antonio Elementary School (elementary), Pasco High School (high), Pasco Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX ALLIANCE GROUP · John Halvorsen. MLS #TB8493796.

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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