645 TIMBER BAY CIRCLE E, OLDSMAR, FL, 34677
Active259 days on marketListed Nov 4, 2025MLS #TB8443970
About this home
645 TIMBER BAY CIRCLE E
Your Renovation Dream Home! This home is in the desirable Shoreview Subdivision situated on 1/3 of an acre of land. After necessary rehab this home will easily be the jewel of the subdivision located a short walking distance from Tampa Bay and Mobbly Beach Park!! The home is priced substantially below market value to attract CASH Buyers understanding the home will require rehabilitation. The homeowner has excess construction material that will convey with the purchase as a cost saving incentive. The home will include refrigerator, dishwasher, HVAC system, and bathroom fixtures to be installed. The home currently has eight (8) new windows already installed and a new back sliding glass door. This is a must see and golden Opportunity to own or invest in this highly desirable community and subdivision!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,274
Sqft
0.31 ac
Lot size
2
Garage
1984
Year built
One
Levels
$232
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.
$2,027 /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
$2,027/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
−13.2%
$/sqft vs Oldsmar actives
$232 vs $229
Days on market
259 vs 43 typical
Where $232/sqft sits among the 157 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
Get to know Oldsmar. See the full Oldsmar guide →
The numbers that matter
The Oldsmar market
$360K → $355K
Oldsmar median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
93 of 157
Oldsmar actives have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the Oldsmar median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 645 TIMBER BAY CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$399,900
604 TIMBER BAY CIRCLE E
3 bd · 2 ba · 1,274 sqft · $314/sqft · 26 DOM
Sold · Aug ’25$360,000
602 TIMBER BAY CIRCLE W
3 bd · 2 ba · 1,250 sqft · $288/sqft · 15 DOM
Sold · May ’26$220,000
507 SHORE DRIVE E
3 bd · 3 ba · 1,237 sqft · $178/sqft · 12 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 645 TIMBER BAY CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 TIMBER BAY CIRCLE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
645 TIMBER BAY CIRCLE E FAQs
What would the monthly payment be for 645 TIMBER BAY CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,027/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 645 TIMBER BAY CIRCLE E?+
The most recent tax bill on record (2024) was $1. 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 645 TIMBER BAY CIRCLE E?+
The listing reports pets: Cats OK, Dogs OK. 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 $295,000, this home is listed about 14% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Oldsmar market on paper
$295,000 is 14% below the Oldsmar median of $342,450, and at $232/sqft it sits under the Oldsmar average of $246.
02Time on market is leverage
259 days on market against a Oldsmar median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $350,000, now $295,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Michael Eddings. MLS #TB8443970.
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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