372 COBIA WAY, OLDSMAR, FL, 34677
Active90 days on marketListed Apr 21, 2026MLS #TB8499655
About this home
372 COBIA WAY
Welcome to 372 Cobia Way — one of the best locations in Gull-Aire Village, sitting directly across from the community pool, spa, and clubhouse! This resident-owned, 55+ golf cart friendly community in the heart of Oldsmar offers the best of Florida retirement living at an unbeatable value. Step inside to a bright, open floor plan featuring dark hardwood-style flooring and bold coastal teal accents throughout. The spacious living and dining areas flow into a well-appointed kitchen with wood cabinetry, a center island with breakfast bar, and stainless steel appliances. The primary suite includes a private en-suite bath, with a second full bath rounding out the layout. Screened lanai, wide carport, inside laundry, and a utility shed out back — this one has it all. You own the land. No lot rent. Ever. Low HOA and an active social calendar to boot. Community amenities include a heated pool & spa, clubhouse, sauna, library, shuffleboard, and bocce ball. Walk across the street to AMC Theatres, Beall's, Marshalls, and a full lineup of restaurants. Minutes to Publix, Walmart, and Countryside Hospital. Just ~10 miles to Honeymoon Island and Caladesi State Park. NOT in a flood zone!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,048
Sqft
0.09 ac
Lot size
1984
Year built
One
Levels
$162
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.
$1,565 /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
$1,565/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%
$/sqft vs GULL-AIRE VILLAGE
$162 vs $159
Days on market
90 vs 43 typical
Where $162/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 Gull Aire Village
Get to know Oldsmar. See the full Oldsmar guide →
Gull Aire Village — neighborhood snapshot
Population
1,436
Median age
58
Median income
$53,723
Median home value
$259,200
Avg household
2
Households w/ children
104
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.
This home is listed 33% below the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 372 COBIA WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$224,900
427 PELICAN DRIVE S · same community
2 bd · 2 ba · 1,052 sqft · $214/sqft · 263 DOM
Sold · Feb ’26$221,000
106 DOLPHIN DRIVE E · same community
2 bd · 2 ba · 1,092 sqft · $202/sqft · 82 DOM
Sold · Aug ’25$169,900
245 PELICAN DRIVE N · same community
2 bd · 2 ba · 1,104 sqft · $154/sqft · 11 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 372 COBIA WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 372 COBIA 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
372 COBIA WAY FAQs
What would the monthly payment be for 372 COBIA WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,565/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 372 COBIA WAY?+
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 372 COBIA WAY?+
The most recent tax bill on record (2025) was $3,232. 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 372 COBIA 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 $170,000, this home is listed about 50% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 372 COBIA WAY?+
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
Four things that matter here
01Under the OLDSMAR 34677 market on paper
$170,000 is 33% below the OLDSMAR 34677 median of $252,500, and at $162/sqft it sits under the Oldsmar average of $246.
02Time on market is leverage
90 days on market against a Oldsmar median of 43 — sellers in this position are usually ready to negotiate.
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.
04The price has already moved
Listed at $199,995, now $170,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IMPACT REALTY TAMPA BAY · Justin Cans. MLS #TB8499655.
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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