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$260,000

645 TIMBER BAY CIRCLE E, OLDSMAR, FL 34677

Active287 days on market

Beds

3

Baths

2

Sq Ft

1,274 sq ft

Year Built

1984

Lot Size

0.31 acres

Garage

2

About This Property

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!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8443970
StatusActive
Year Built1984
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesNorth
SubdivisionSHOREVIEW PHASE 2
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorNinguno
FlooringPorcelain Tile
AppliancesElectric Water Heater
LaundryNone
CoolingCentral Air, Wall/Window Unit(s)
HeatingCentral, Electric
FireplaceYes ()

Exterior & Lot

ExteriorRain Gutters, Sliding Doors
Lot Size0.31 acres (13,316 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Available, Public, Water Available

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$260,000
Original Price$350,000
Annual Taxes$1 (2024)
ZoningSFR
Parcel #252816818510090120

Schools

ElementaryOldsmar Elementary-PN
MiddleCarwise Middle-PN
HighEast Lake High-PN

Directions

Lafayette Blvd to Left Shore Dr E, Left Kilsythe St, Right Laketree Pl, Left Timber Bay Cir E. House on the Left.

Location

645 TIMBER BAY CIRCLE E, OLDSMAR, FL 34677

Listing Information

OfficeMARK SPAIN REAL ESTATE
ListedNovember 4, 2025

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Home Price

$260,000

20% ($52,000)
6.75%

Loan Term

Principal & Interest$1,349
Property Tax (est.)$238
Insurance (est.)$150
Total Monthly$1,737
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $260,000 home in OLDSMAR.

🏛️

FHA Loan

$9,100 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$13,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 21, 2026.

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