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Overview

4 bd3 ba3,189 sqft3 car garageSingle Family
TypeSingle Family
HOA$2,170/yr
Built1995
Lot37,257 sqft
Living area3,189 sqft
Price / sqft$331
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Central VaccumCrown MoldingHigh CeilingsSplit BedroomStone CountersThermostatWalk-in Closet(s)

4931 Turtle Creek Trl is a 1995-built home in Turtle Creek Unit-three, Oldsmar. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,189 square feet of living space. Listed at $1,055,000 (about $331/sqft), 119 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $2,170 annually.

From the listing

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.

The essentials

Built
1995
Price / sqft
$331
On market
119 days
Annual tax
$10,115
HOA
$2,170/yr
Flood zone
X · Low risk
Lot
37,257 sqft
Type
Single Family Residence

At a glance

Single family
Built 1995
Private pool
In Ground
3 car garage
Oversized
0.86 acres
Lot size
3,189 sqft
Living area

Payment

Est. monthly payment
$7,053/mo
Down payment (20%)
$211,000
Property taxes
$843/mo
HOA
$2,170/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1995
Lot
37,257 sqft
Cooling
Central Air
Heating
Central
Parking
Oversized
Pool
In Ground, Salt Water, Screen Enclosure
Days on Market
119
Ceiling Fans(s)
Central Vaccum
Crown Molding
High Ceilings
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Gated Community - Guard
Convection Oven
Cooktop
Dishwasher
Electric Water Heater
Exhaust Fan
Microwave
Refrigerator
Elementary
Cypress Woods Elementary-PN
Middle
Carwise Middle-PN
High
East Lake High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$10,115
Parcel #
03-28-16-92679-001-0050

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Turtle Creek Unit-three
County
Pinellas
MLS Area
34677 - Oldsmar
Lot Size
37,257 sqft
Near Golf CoursePaved
HOA
$2,170/yr
Wise Property Management

Price history

Date
Event
Price
6/16/2026
Listed for sale
Source: Stellar MLS #TB8518188
$1,055,000
$331/sqft

Neighborhood

4931 Turtle Creek Trl
Oldsmar, FL, 34677 · 34677 - Oldsmar

Market insights

Offer Insights

Choose an offer strength

List price: $1,055,000
$1.05M – $1.05M
99.1% – 100% of listTops out right at the list price
80% of listList price
56 of the last 111 home closings in 34677 landed at this number or higher (50%). The median one sat 42 days before it went under contract, and this one is on day 119.

Sample: 111 closed home sales in 34677 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$7,054/mo
Principal & interest$5,502
Property taxes$843
Insurance$528
HOA$181
Down payment20% · $211,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,055,000

$331 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,189 sq ft

Time on market

119 days

Year built

1995

Monthly payment

About $7,053/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,115 annual tax bill, insurance, and the $2,170/yr HOA fee.

HOA fee

$2,170/yr

Managed by Wise Property Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byCONCI, REALTORSListing agent: Cyndi OlmsteadListing data from Stellar MLS, MLS# TB8518188.

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