David Ramirez
$1,100,000$1,200,0003 bd2 ba1,594 sqft$690 /sqft$7,246 /mo all-in ↓

3858 SHORE BOULEVARD, OLDSMAR, FL, 34677

Active73 days on marketListed May 12, 2026MLS #TB8506221

Reduced $100KWaterfrontSingle Family ResidenceWEST OLDSMAR SEC 1

About this home

3858 SHORE BOULEVARD

Experience the laid back lifestyle of Oldsmar, a sought-after community nestled between the urban hubs of Tampa and Clearwater. This serene, waterfront property offers the perfect balance of peaceful living and convenient access to local attractions. Residents here enjoy a tranquil, private environment, starting mornings with fresh coastal breezes on a private porch or deck, and spending evenings watching sunsets from a kayak or boat. This elevated, two-story home, topped with a 2025 roof, showcases an expansive layout filled with radiant natural light and soaring vaulted ceilings. The interior ambiance is both airy and welcoming, anchored by a charming wood-burning fireplace. The heart of the home is a sun-drenched, open-concept great room and kitchen, equipped with stainless steel appliances, granite surfaces, a propane stove, and a tankless water heater, all showcased by floor-to-ceiling windows. The generous primary suite acts as a private retreat, featuring an ensuite bathroom with a garden tub, dual vanities, and a separate shower, alongside a private deck offering stunning vistas. Functionality meets flexibility in the lower level, which houses a spacious two-car garage and a versatile 600-square-foot accessory dwelling unit. With its own entrance, bathroom, and kitchen facilities, this suite is perfectly suited for guests or extended family. The exterior features substantial paver parking, ready to accommodate RVs, boats, and other recreational vehicles. Nature enthusiasts will delight in the local wildlife, including dolphins and manatees, viewable directly from home. The property’s private floating dock and boat ramp provide effortless access to Tampa Bay without worrying about the tides. Elevated construction ensures peace of mind during inclement weather, while the property’s location—situated on a private, oversized lot on a quiet cul-de-sac—secures absolute seclusion. Located in a premier school district and just 20 to 30 minutes from the region’s best beaches and downtown centers, this home also offers residents easy access to the festive R.E. Olds Park and the vibrant dining scenes of nearby Safety Harbor. Both Mobbly Beach Park and the picturesque Phillippe Park are situated within a three-mile radius, making them a breeze to reach via cycling or boat. Oldsmar stands out for several unique reasons: it operates its own reverse osmosis water filtration system, houses the Tampa Bay Skating Academy Ice Rink, and maintains a higher density of parks per square mile than any other municipality in the state, with roughly 40% of its total area reserved for green spaces and conservation. Those who love the outdoors can take advantage of the ten-mile Oldsmar Trail, which winds through eight of the city's ten parks, providing endless chances for recreation and immersion in nature. Don't wait—secure your chance to live out your ideal Florida dream by booking your private viewing of this exceptional property today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,594

Sqft

0.34 ac

Lot size

2

Garage

1986

Year built

One

Levels

$690

Per sqft

WaterfrontFireplaceTrees/Woods & Water view

Inside

FlooringBrick/Stone · Carpet · Tile · Hardwood
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Tankless Water Heater
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Propane

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationBlock · Other · Slab
ViewTrees/Woods · Water
FacesSouthwest
ParkingBoat · Covered · Driveway · Garage Door Opener · Garage Faces Side · Ground Level · Off Street · Oversized · Parking Pad · RV Parking · Under Building
ExteriorBalcony · Fire Pit · Permeable Paving · Private Entrance · Sliding Doors

Community & fees

Taxes (2025)$8,857/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Propane · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,246 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property tax — 2025 actual bill$738
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $110,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $110,000
Interest rate6.00%
Loan term

Estimated payment

$7,246/mo

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property taxes (actual bill)$738
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $1.1M
$356KedgeAI estimate $423,842 · range $371K$480K$1.1M

vs edgeAI estimate

+159.5%

$/sqft vs Oldsmar actives

$690 vs $227

Days on market

73 vs 43 typical

Where $690/sqft sits among the 154 Oldsmar actives

84
56
10
2
0
2 · this home
$141–233$233–324$324–416$416–507$507–599$599+

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

Map of 3858 SHORE BOULEVARD

Drive times from this address

Tampa Int’l Airport (TPA)25 min
Downtown Tampa28 min

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

ElementaryOldsmar Elementary School★★★★
MiddleJoseph L. Carwise Middle School★★★★
HighEast Lake High School★★★★

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

The numbers that matter

The Oldsmar market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$360K$355K

Oldsmar median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

92 of 154

Oldsmar actives have cut their price

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

This home is listed 323% above the OLDSMAR 34677 median. See the full Oldsmar market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,100,000 $100K
May 12, 2026Listed at $1,200,000 · 73 days on market since
1986Built · WEST OLDSMAR SEC 1

Reality check

What actually sold near 3858 SHORE BOULEVARD

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

3071 HURON AVENUESold · Nov ’25

$275,000

3071 HURON AVENUE · same community

3 bd · 2.5 ba · 1,680 sqft · $164/sqft · 4 DOM

3765 SHORE BOULEVARDSold · Dec ’25

$735,000

3765 SHORE BOULEVARD · same community

4 bd · 2 ba · 1,860 sqft · $395/sqft · 89 DOM

3164 DUANE AVENUESold · Mar ’26

$325,000

3164 DUANE AVENUE · same community

3 bd · 2 ba · 1,044 sqft · $311/sqft · 160 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 3858 SHORE BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3858 SHORE BOULEVARD — 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.

Goes straight to David’s phone and CRM.

Straight answers

3858 SHORE BOULEVARD FAQs

What would the monthly payment be for 3858 SHORE BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,246/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 3858 SHORE BOULEVARD?+

The most recent tax bill on record (2025) was $8,857. 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 $1,100,000, this home is listed about 221% above the Oldsmar median of $342,450. The market section on this page shows how the area is trending.

Which schools are assigned to 3858 SHORE BOULEVARD?+

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

$1,100,000 runs 323% above the OLDSMAR 34677 median — but at 1,594 sqft it's also 15% larger than the typical Oldsmar listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

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 $1,200,000, now $1,100,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Mark Yorke, LLC. MLS #TB8506221.

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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