4770 PEBBLE BROOK DRIVE, OLDSMAR, FL, 34677
Active0 days on marketListed Aug 13, 2026MLS #TB8535905
Come see it
Upcoming open house
Sun, Aug 16
1:00 PM – 3:00 PM
About this home
4770 PEBBLE BROOK DRIVE
Virtually Staged. Discover the Florida lifestyle you’ve been waiting for in this fabulous 3-bedroom (or 2-bedroom + den), 2-bath, 2-car garage villa-style home, ideally located in the sought-after Cross Creek subdivision of the gated East Lake Woodlands golf community. Enjoy serene water views from the expansive screened lanai—the perfect setting for morning coffee, outdoor dining, or relaxing at the end of the day. Step inside to a bright, inviting open-concept floor plan featuring volume ceilings, crown molding, fresh interior paint, garage floor paint, and brand-new carpeting in the bedrooms. The spacious kitchen is designed for both everyday living and entertaining, offering granite countertops, an eat-in breakfast area, bay windows, and plantation shutters. The generously sized primary suite is a true retreat, complete with two walk-in closets and a large ensuite bath featuring dual vanities, a relaxing soaking tub, and a separate shower. A versatile additional bedroom/den configuration provides plenty of flexibility for guests, a home office, or your personal lifestyle needs. Numerous recent improvements add peace of mind and value, including a new tile roof (2025), new paver driveway and walkway (2026), and an A/C system installed in 2015. The Cross Creek HOA fee offers an impressive array of included amenities and services: lawn maintenance, mowing, fertilizing and mulching, cable TV and internet, trash and recycling collection, community pool and spa, escrow reserves, roof pressure cleaning, and exterior painting every seven years. For those seeking even more recreation, optional memberships at Ardea Country Club are available for additional fees, offering access to two golf courses, fitness center, heated lap pool, freeform pool, pickleball, tennis, dining, activities, and social events. And the location is hard to beat—convenient to Tampa International Airport, St Petersburg, award-winning Gulf beaches, major medical facilities, professional sporting events, shopping, and fine dining. A great home at a great price!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,860
Sqft
0.13 ac
Lot size
2
Garage
1996
Year built
One
Levels
$296
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,775 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,775/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+19.9%
Days on market
0 vs 59 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside East Lake Woodlands
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
East Lake Woodlands — neighborhood snapshot
Population
7,647
Median age
53
Median income
$107,049
Median home value
$399,307
Avg household
2
Households w/ children
583
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oldsmar market
$400K → $415K
Oldsmar median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 120% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Grace Mathisen
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4770 PEBBLE BROOK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4770 PEBBLE BROOK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Grace's phone and CRM.
Straight answers
4770 PEBBLE BROOK DRIVE FAQs
What would the monthly payment be for 4770 PEBBLE BROOK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,775/mo — principal and interest, the actual property-tax bill, the $470/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4770 PEBBLE BROOK DRIVE?+
The association fee works out to $470 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4770 PEBBLE BROOK DRIVE?+
The most recent tax bill on record (2025) was $7,972. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4770 PEBBLE BROOK DRIVE?+
The listing reports pets: Breed Restrictions, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Oldsmar?+
At $549,900, this home is listed about 69% above the Oldsmar median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4770 PEBBLE BROOK DRIVE?+
Forest Lakes Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$549,900 runs 120% above the OLDSMAR 34677 median — but at 1,860 sqft it's also 39% larger than the typical Oldsmar listing.
02Fresh on the market
Listed today in a Oldsmar market that averages 59 — if it fits, move quickly.
03Strong assigned schools
Forest Lakes Elementary School, Joseph L. Carwise Middle School, East Lake High School — Forest Lakes Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX REALTEC GROUP INC · Rene Mailaender. MLS #TB8535905.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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