384 WINGATE CIRCLE, OLDSMAR, FL, 34677
Active50 days on marketListed Jun 3, 2026MLS #TB8515031
About this home
384 WINGATE CIRCLE
Nestled on a quiet street in the desirable gated community of Bay Arbor, this lovely two-story home offers 3 bedrooms, 2.5 bathrooms, two spacious bonus/great rooms, a 2-car garage, and a spectacular custom pebble tech pool with a stunning stone waterfall, pool pump 2025 and new pool filter 2025. The back yard is completely fenced and backs up to a peaceful conservation. As you enter, you'll be welcomed by charming Florida saltillo ceramic tile flooring that adds warmth and old-world Florida character throughout the main living areas. The spacious eat-in kitchen features granite countertops, abundant cabinetry with convenient roll-out trays, a huge pantry, stainless steel appliances, newer dishwasher 2022, refrigerator 2024, and lovely French doors leading directly to the beautiful screened pool area—perfect for indoor-outdoor living and entertaining with no rear neighbor’s. The first floor offers a formal living and dining room, a large family room, and a convenient powder room. Upstairs, you'll find an enormous bonus/great room that can easily serve as a media room, game room, home office, gym, or potential fourth bedroom. The oversized primary suite features a large walk-in closet and a private ensuite bath complete with a walk-in shower, garden tub, private water closet, and linen closet. Two additional bedrooms offer generous closet space and share a full hall bath with a tub/shower combination. Newer Roof (2020), Water Heater (2021), newer HVAC System (2024). In addition the house comes with hurricane shutters which are stored in the garage. Bay Arbor residents enjoy access to a community pool, playground, and beautifully maintained common areas. Conveniently located near top-rated schools, shopping, restaurants, hospitals, churches, golf courses, and Florida's award-winning beaches. Easy access to Tampa, Clearwater, St. Petersburg,and New Port Richey makes commuting a breeze. This is Florida living at its finest! Come Live the dream in Tampa Bay, Call me today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,428
Sqft
0.17 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$238
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.
$4,333 /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
$4,333/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
−10.5%
$/sqft vs Oldsmar actives
$238 vs $227
Days on market
50 vs 43 typical
Where $238/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 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)
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 123% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 384 WINGATE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$575,000
364 VENTURA DRIVE · same community
3 bd · 2.5 ba · 2,237 sqft · $257/sqft · 5 DOM
Sold · Nov ’25$617,000
357 VENTURA DRIVE · same community
3 bd · 2 ba · 2,176 sqft · $284/sqft · 8 DOM
Sold · Nov ’25$600,000
341 BAY ARBOR BOULEVARD · same community
3 bd · 2 ba · 2,034 sqft · $295/sqft · 72 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 384 WINGATE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 384 WINGATE CIRCLE — 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
384 WINGATE CIRCLE FAQs
What would the monthly payment be for 384 WINGATE CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,333/mo — principal and interest, the actual property-tax bill, the $100/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 384 WINGATE CIRCLE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 384 WINGATE CIRCLE?+
The most recent tax bill on record (2025) was $8,778. 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 384 WINGATE CIRCLE?+
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 $579,000, this home is listed about 69% above the Oldsmar median of $342,450. The market section on this page shows how the area is trending.
Which schools are assigned to 384 WINGATE CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$579,000 runs 123% above the OLDSMAR 34677 median — but at 2,428 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.
04The price has already moved
Listed at $599,000, now $579,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX MARKETING SPECIALISTS · Denise Denver Samsonenko. MLS #TB8515031.
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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