62 EMERALD BAY DRIVE, OLDSMAR, FL, 34677
Active189 days on marketListed Jan 16, 2026MLS #TB8465225
About this home
62 EMERALD BAY DRIVE
Heart of Oldsmar convenient to restaurants, shopping and Tampa. 2 Story, 2 Bedroom / 2.5 Bathroom Townhome in Oldsmar, AC 7/23, newer luxury vinyl flooring and newer paint.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,264
Sqft
0.06 ac
Lot size
1994
Year built
Two
Levels
$150
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.
$1,898 /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
$1,898/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
−28.7%
$/sqft vs Oldsmar actives
$150 vs $228
Days on market
189 vs 43 typical
Where $150/sqft sits among the 154 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
$360K → $355K
Oldsmar median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
93 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 27% below the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 62 EMERALD BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$246,000
75 EMERALD BAY DRIVE · same community
3 bd · 2.5 ba · 1,339 sqft · $184/sqft · 73 DOM
Sold · Aug ’25$435,000
510 PINE AVENUE S
3 bd · 2 ba · 1,287 sqft · $338/sqft · 86 DOM
Sold · Mar ’26$364,000
202 DUNKIRK ROAD
3 bd · 2 ba · 1,212 sqft · $300/sqft · 0 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 62 EMERALD BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 62 EMERALD BAY DRIVE — 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
62 EMERALD BAY DRIVE FAQs
What would the monthly payment be for 62 EMERALD BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,898/mo — principal and interest, the actual property-tax bill, the $283/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 62 EMERALD BAY DRIVE?+
The association fee works out to $283 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 62 EMERALD BAY DRIVE?+
The most recent tax bill on record (2024) was $3,024. 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 62 EMERALD BAY DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $190,000, this home is listed about 45% below the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 62 EMERALD BAY DRIVE?+
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
01Under the OLDSMAR 34677 market on paper
$190,000 is 27% below the OLDSMAR 34677 median of $259,900, and at $150/sqft it sits under the Oldsmar average of $246.
02Time on market is leverage
189 days on market against a Oldsmar median of 43 — sellers in this position are usually ready to negotiate.
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 $245,000, now $190,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Lin Huang. MLS #TB8465225.
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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