4931 TURTLE CREEK TRAIL, OLDSMAR, FL, 34677
Active38 days on marketListed Jun 16, 2026MLS #TB8518188
About this home
4931 TURTLE CREEK TRAIL
If you've been searching for a home that checks every box, this one is worth a serious look. Tucked inside the guard-gated East Lake Woodlands community — known for its canopied streets, two championship golf courses, pickle ball and tennis courts, and home to Ardea Country Club — this 4-bedroom, 3-bath pool home sits on nearly a full acre and has been genuinely well cared for. Equipped with a whole-house solar system - means electric bills that are almost laughably low — most months you're paying little more than the base statement fee. Pair that with a whole-home water filtration system, water softener, two brand-new AC units (April 2025 and March 2026), a tile roof replaced in 2019, and two water heaters also replaced in 2019, and you're looking at a home where the expensive stuff has already been done. At 3,189 square feet, the layout gives everyone room to breathe. The great room is the kind of space that feels both impressive and livable, and the split floor plan keeps the primary suite — complete with walk in closets and a sitting area — separate from the other bedrooms. Tile flooring runs throughout the entire home, so there's no carpet to worry about. The kitchen is built for real use: breakfast bar, convection oven, cooktop, and quality appliances, all with stone counters. Out back, the pool and lanai open up to a quiet, private setting that makes it easy to forget the rest of the world exists. Top-rated schools, easy access to Tampa, and a short drive to the Gulf beaches round out a package that's hard to replicate at this price point.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,189
Sqft
0.86 ac
Lot size
3
Garage
1995
Year built
One
Levels
$331
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.
$7,272 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,272/mo
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.
vs edgeAI estimate
+23.2%
$/sqft vs Oldsmar actives
$331 vs $227
Days on market
38 vs 43 typical
Where $331/sqft sits among the 155 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 East Lake Woodlands
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
East Lake Woodlands — neighborhood snapshot
Population
7,647
Median age
53
Median income
$107,049
Median home value
$399,307
Avg household
2
Households w/ children
583
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)
94 of 155
Oldsmar actives have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 310% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 4931 TURTLE CREEK 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$1,184,500
2270 CHRISTY LANE · same community
4 bd · 4.5 ba · 3,993 sqft · $297/sqft · 22 DOM
Sold · Jul ’26$885,000
1471 BRIARGROVE WAY
5 bd · 3.5 ba · 3,140 sqft · $282/sqft · 67 DOM
Sold · Oct ’25$1,000,000
1349 FORESTEDGE BOULEVARD
4 bd · 3.5 ba · 3,251 sqft · $308/sqft · 35 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 4931 TURTLE CREEK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4931 TURTLE CREEK 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
4931 TURTLE CREEK TRAIL FAQs
What would the monthly payment be for 4931 TURTLE CREEK TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,272/mo — principal and interest, the actual property-tax bill, the $181/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 4931 TURTLE CREEK TRAIL?+
The association fee works out to $181 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4931 TURTLE CREEK TRAIL?+
The most recent tax bill on record (2025) was $10,115. 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 4931 TURTLE CREEK TRAIL?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,055,000, this home is listed about 208% above the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 4931 TURTLE CREEK TRAIL?+
Forest Lakes 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
Three things that matter here
01Positioned at the premium end
$1,055,000 runs 310% above the OLDSMAR 34677 median — but at 3,189 sqft it's also nearly twice the size of the typical Oldsmar listing.
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
Forest Lakes Elementary School, Joseph L. Carwise Middle School, East Lake High School — Forest Lakes Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CONCI, REALTORS · Cyndi Olmstead. MLS #TB8518188.
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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