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$189,000

62 EMERALD BAY DRIVE, OLDSMAR, FL 34677

3D Tour
Active263 days on market

Beds

2

Baths

3

Sq Ft

1,264 sq ft

Year Built

1994

Lot Size

0.06 acres

Garage

—

About This Property

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.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #TB8465225
StatusActive
Year Built1994
Stories2
Total Rooms4
ConstructionBlock, Wood Frame
RoofShingle
FoundationSlab
FacesSouth
SubdivisionEMERALD BAY
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)
FlooringLuxury Vinyl, Vinyl
AppliancesDryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Closet
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorSidewalk
Lot Size0.06 acres (2,779 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$283 / Monthly
Senior CommunityNo

Financial Details

List Price$189,000
Original Price$245,000
Annual Taxes$3,024 (2024)
FinancingCash, Conventional, FHA, VA Loan
Parcel #152816257900000620

Schools

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

Directions

Traveling on Tampa Road, turn South on Emerald Bay Drive. Community is straight ahead. Make a slight left into the community.

Location

62 EMERALD BAY DRIVE, OLDSMAR, FL 34677

Listing Information

OfficeCHARLES RUTENBERG REALTY INC
ListedJanuary 16, 2026

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Scheduling is free, and you can cancel anytime.

Home Price

$189,000

20% ($37,800)
6.75%

Loan Term

Principal & Interest$981
Property Tax (est.)$173
Insurance (est.)$150
Total Monthly$1,304
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $189,000 home in OLDSMAR.

🏛️

FHA Loan

$6,615 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

$9,450 Down

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

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: August 4, 2026.

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