20 FERNBROOK ROAD, Oldsmar, FL, 34677 | $649,999

Under contract-accepting backup offers. Tucked inside the 24-hour gated community of East Lake Woodlands, this beautifully maintained waterfront pool home welcomes you with undeniable curb appeal and a sense of arrival. A stamped concrete driveway accented with brick pavers and a charming brick walkway guide you to the inviting front entry, where a glass-insert front door with sidelights creates a light-filled first impression. Framed by swaying palm trees, lush landscaping, and outdoor lighting, the exterior sets the tone for relaxed Florida living.
Inside, the home offers a thoughtfully designed split-bedroom floor plan with 4 bedrooms and 2 full baths, across 2, 147 sq ft, providing both privacy and functionality. Rich engineered hardwood flooring flows throughout, adding warmth and sophistication.
The heart of the home is the beautifully updated kitchen, featuring raised panel cabinetry with crown molding, soft-close drawers and cabinets, stainless pulls, under-cabinet lighting, and a built-in pantry with pull-outs. A Quartz countertop (2020) is complemented by a sleek glass tile backsplash. Appliances include a smooth-top range, new Frigidaire Gallery French door refrigerator and microwave, Bosch dishwasher, and a sink with touchless faucet. Recessed lighting enhances the galley-style layout, while the sunlit café area with floor-to-ceiling windows overlooking the lanai creates the perfect spot for casual dining. A separate closet pantry completes the space.
The formal dining room features built-in cabinetry mirroring the kitchen, complete with a Quartz buffet server, glass backsplash and designer lighting. The living room impresses with a vaulted ceiling, wood-burning fireplace, and skylight, while sliding glass doors open to the lanai and pool area, enhancing indoor-outdoor living. The sunken family room offers a relaxed retreat, with lanai access, and includes a stunning billiard table with all accessories and overhead lighting fixture.
The updated primary suite, with direct access to the lanai, offers a private retreat. The ensuite bath is beautifully designed, featuring a barn door entry that opens to a double vanity with Quartz countertops, undermount sinks, and ample cabinetry and drawers. The expansive walk-in shower showcases a seamless glass panel, built-in bench, shampoo niches, rain head and handheld fixtures, and a high window for natural light, along with an exhaust fan for added comfort. A custom walk-in closet with built-ins completes this well-appointed space.
Secondary bedrooms are generously sized, with ample closet space, and share a well-appointed bathroom featuring a jetted tub, and a vessel sink set atop a double vanity. The hallway includes a linen closet with attic access and a door with convenient access to the lanai.
Step outside to your private outdoor oasis, where an upgraded Pebble Tec pool is surrounded by a stamped concrete deck. The home is ideally positioned alongside a pond bordering the side and rear of the property. The covered, screen-enclosed lanai with a beadboard ceiling, three fans, and a manual retractable screen for added shade and comfort. A pass-through window from the kitchen with a bar counter on the lanai side makes outdoor dining effortless. Additional highlights include NEW A/C 2026, PGT hurricane windows, new baseboards, interior doors, and updated deora switches and outlets. Don’t miss this opportunity to own a waterfront pool home in one of Oldsmar most sought after gated communities. Schedule your showing today.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 104 x 119
  • Laundry: Inside, Laundry Room
  • Year Built: 1982
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,147
  • Acreage: 0.3
  • Lot Size: 104 x 119
  • Est. Taxes: $5,980
  • HOA Fee: $1,780 Annually
  • Elem. School: Forest Lakes Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: East Lake High-PN
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8492357
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8492357/20fernbrookroad_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 5/14/2026 1:32:10 PM)
Listing courtesy of MIHARA & ASSOCIATES INC.   Phone: 813-960-2300

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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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20 FERNBROOK ROAD, Oldsmar, FL, 34677

$649,999

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 $519,999 $519,999 $519,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.730%
Monthly Tax Payment $498 $498 $498
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,114 $3,244 $4,246
Total Monthly Payment $3,704 $3,834 $4,836

* 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.