140 ASHLEY LANE, OLDSMAR, FL, 34677
Pending92 days on marketListed May 2, 2026MLS #TB8504188
About this home
140 ASHLEY LANE
Positioned below two recent appraisals, presenting a compelling opportunity for buyers seeking immediate value. Located within a gated golf course community in North Pinellas County (club and golf memberships optional), this light and bright 4-bedroom, 2-bath villa offers a flexible split-bedroom floor plan and inviting indoor-outdoor living. The great room is the focal point, featuring updated sliding glass doors that frame tranquil pond and fairway views of the 13th hole on the South Course, along with recently installed recessed lighting and wood-look plank tile flooring that enhance both ambiance and overall brightness—creating a warm, open, and inviting living space. New plantation shutters throughout the home add a refined, cohesive look while enhancing light control and privacy. The enclosed lanai extends the living area and opens to an additional patio and deck, ideal for relaxing or entertaining while enjoying the scenic setting. The rear deck is further enhanced by a retractable awning, providing flexible shade and added comfort for outdoor living year-round. The updated kitchen includes wood cabinetry, solid surface countertops, abundant drawer storage, a closet pantry, coordinating wood-look tile flooring, and double sinks. A casual breakfast area offers direct access to a private rear patio, perfect for grilling. Interior laundry closet conveniently located just off the kitchen. The primary suite offers ample closet storage with dual sliding-door closets, along with a large vanity area and separate water closet with a glass-enclosed shower. Both bathrooms feature expansive counter space with room to accommodate dual vanities, offering flexibility for future customization. Three additional bedrooms are well-sized and thoughtfully positioned for privacy, with one offering access to a private side patio—ideal for guests, a home office, or flex space. Well-maintained and move-in ready, this villa delivers a low-maintenance lifestyle with water and golf course views in one of the area’s most desirable communities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,460
Sqft
0.11 ac
Lot size
1981
Year built
One
Levels
$212
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.
$2,679 /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
$2,679/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
−24.4%
$/sqft vs EAST LAKE WOODLANDS CLUSTER HOMES
$212 vs $200
Days on market
92 vs 43 typical
Where $212/sqft sits among the 8 homes for sale in EAST LAKE WOODLANDS CLUSTER HOMES
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)
6 of 8
EAST LAKE WOODLANDS CLUSTER HOMES have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 140 ASHLEY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$300,000
20 IRIS PLACE · same community
3 bd · 2 ba · 1,450 sqft · $207/sqft · 42 DOM
Sold · Nov ’25$300,000
160 ASHLEY LANE · same community
3 bd · 2 ba · 1,450 sqft · $207/sqft · 27 DOM
Sold · Jun ’26$282,500
40 SYLVIA PLACE · same community
3 bd · 2 ba · 1,385 sqft · $204/sqft · 57 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 140 ASHLEY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 140 ASHLEY LANE — 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
140 ASHLEY LANE FAQs
What would the monthly payment be for 140 ASHLEY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,679/mo — principal and interest, the actual property-tax bill, the $440/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 140 ASHLEY LANE?+
The association fee works out to $440 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 140 ASHLEY LANE?+
The most recent tax bill on record (2025) was $1,408. 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 140 ASHLEY LANE?+
The listing reports pets: Breed Restrictions, 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 $309,900, this home is listed about 10% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 140 ASHLEY LANE?+
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
$309,900 runs 24% above the OLDSMAR 34677 median.
02Golf Course & Trees/Woods & Water views
The golf course and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
92 days on market against a Oldsmar median of 43 — sellers in this position are usually ready to negotiate.
04Strong 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 MICHAEL SAUNDERS & COMPANY · Rick Scherer. MLS #TB8504188.
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.
Never miss a listing
New Oldsmar homes, in your inbox
Like 140 ASHLEY LANE but not quite? A daily digest of every new listing in Oldsmar — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →