602 BAY LAKE TRAIL, OLDSMAR, FL, 34677
Active94 days on marketListed May 1, 2026MLS #TB8503595
About this home
602 BAY LAKE TRAIL
EXCELLENT VALUE - LOCATION - LOCATION - LOCATION – 3 BEDROOM, 2 BATH, 2 CAR GARAGE, SINGLE STORY POOL HOME WITH DECK AND LAKE! Located in the beautiful City of Oldsmar. This home will not disappoint. It is the perfect blend of comfort and Florida living. The primary suite is huge for this square footage with room for a king size bed, a ceiling fan, a large walk-in closet and an en-suite bath featuring a new toilet along with a linen closet. The two secondary bedrooms have new Mohawk LVP floors and share the second bathroom. This home is priced right to give you the flexibility to choose your kitchen and bathrooms to your taste. The spacious 2 car garage gives you the storage you need. Need extra transportation? The City of Oldsmar is GOLF CART FRIENDLY! Step outside to your 25x25 fenced deck overlooking the sparkling pool, framed by large trees and palms and enjoy the view of beautiful Bay Lake. This creates the perfect setting for weekend barbecues, quiet mornings sipping coffee, or after school swims. Sit under oaks in shade while the warm pool gets ample sunlight. Updated HVAC (2024) with Honeywell Internet thermostat and upgraded ductwork with dual intakes ensures great air quality. New variable speed pool pump (2026) is programmable for maximum efficiency. Roof (2018) and water heater (2019) recently updated. Hardie siding on exterior walls added for minimum maintenance. This property remained high and dry during the 2024 storms with no flood damage. Enjoy the freedom of no HOA or CDD fees in this quiet Shoreview neighborhood with shopping, restaurants and parks just minutes away. The residents enjoy easy access to waterfront parks, playgrounds, dog parks, pickleball courts, community events such as concerts in the park and seasonal celebrations at the local parks. This home is conveniently located to all of the city amenities and to restaurants, schools, shopping, medical facilities, golf course, beaches, just blocks from the scenic shores of Tampa Bay with beautiful morning sunrises and only 20-25 minutes to Tampa International airport. This is a must-see home in an EXCELLENT LOCATION at AN AMAZING PRICE.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,554
Sqft
0.21 ac
Lot size
2
Garage
1983
Year built
One
Levels
$216
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.
$2,358 /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
$2,358/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
−34%
$/sqft vs Oldsmar actives
$216 vs $228
Days on market
94 vs 57 typical
Where $216/sqft sits among the 151 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)
95 of 151
Oldsmar actives have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 602 BAY LAKE TRAIL
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$419,900
502 TIMBER BAY CIRCLE E · same community
4 bd · 2 ba · 1,658 sqft · $253/sqft · 61 DOM
Sold · Aug ’25$360,000
602 TIMBER BAY CIRCLE W · same community
3 bd · 2 ba · 1,250 sqft · $288/sqft · 15 DOM
Sold · Jul ’26$400,000
619 TIMBER BAY CIRCLE E · same community
3 bd · 2 ba · 1,232 sqft · $325/sqft · 1 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 602 BAY LAKE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 602 BAY LAKE TRAIL — 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
602 BAY LAKE TRAIL FAQs
What would the monthly payment be for 602 BAY LAKE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,358/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 602 BAY LAKE TRAIL?+
The most recent tax bill on record (2025) was $937. 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 $335,000, this home is listed about 3% below the Oldsmar median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 602 BAY LAKE TRAIL?+
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
01Positioned at the premium end
$335,000 runs 34% above the OLDSMAR 34677 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $375,000, now $335,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRAINARD REALTY · Sandra Santos Garbutt. MLS #TB8503595.
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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