395 WINGATE CIRCLE, Oldsmar, FL, 34677 | $590,000

Lowest Listed Price Per Square Foot in 4 Years for this community. Picture Perfect Bay Arbor, a gated community. (Approved plans to extend fence in backyard) The School District zoned for this home has two A and one B+ rated schools and zoned for Palm Harbor University IB program. Just a mile walk or golf card ride through the community to just outside the gates brings you to the local First Watch, Beef O' Bradys, Aveda, Tijuanna Flats, and Hot Tuna Sushi. The communities natural surroundings, abundant with community green-space, wildlife, and a community Pool & Playground. A 3 car garage, paver driveway & paver path to the front porch greets you out front. The foyer immediately opens up to high ceilings, filled with natural light. The laundry room and the flex room/5th bedroom, media room, office, and/or den are available on the first level. A Breakfast Bar, generous amounts of counter space, and stainless steel appliances for the kitchen. The Breakfast Nook has a large pantry space and overlooks the fenced backyard. The Primary Bedroom and Bedrooms 2-4 are an easy trip up with the two-side staircase. The Primary Bedroom fits a King Size Bed, 2 Walk-in Closets, Glass shower, Garden Tub, and Dual Vanities. You will appreciate the 240sq. ft. rear screened patio leading to your shady, vinyl fenced yard. Your peace of mind knowing the Roof was installed in 2022 and the dual zone A/C system is 2018 and 2012. Convenient to the Tampa airport, Mobbly Bayou Beach Park, Honeymoon Island, UTBP Nature Center, AMC Woodlands Square 20, Tampa Bay Downs. Come enjoy the true Florida Lifestyle!

Features

  • Amenities: Gated, Playground, Pool
  • Rooms: 14
  • Bedrooms: 5
  • Baths: 2 full / 1 half
  • Lot Size: 71 x 116
  • Laundry: Inside, Laundry Room
  • Style: Custom
  • Year Built: 2001
  • Garage: 3-car Driveway, Garage Door Opener, Off Street, On Street, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,827
  • Acreage: 0.19
  • Lot Size: 71 x 116
  • Est. Taxes: $9,963
  • HOA Fee: $600 Semi-Annually
  • Lot Desc: Corner Lot, Level, Sidewalk
  • Elem. School: Forest Lakes Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: East Lake High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Freezer, Microwave, Washer
  • MLS#: TB8450027
  • Days on Market: 152 days
  • Website: https://www.raveis.com
    /prop/TB8450027/395wingatecircle_oldsmar_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/23/2026 1:48:24 PM)
Listing courtesy of STOFEL & ASSOCIATES REALTY   Phone: 727-350-0373

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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395 WINGATE CIRCLE, Oldsmar, FL, 34677

$590,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $472,000 $472,000 $472,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.403% 6.431% 5.668%
Monthly Tax Payment $830 $830 $830
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,827 $2,906 $3,825
Total Monthly Payment $3,749 $3,828 $4,747

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.