Bay Arbor
Homes for Sale in Oldsmar, FL
All 171 homes for sale in OLDSMAR, FL · median $324,900 · 154 homes for sale in 34677 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Bay Arbor in Oldsmar, FL has 4 homes for sale. Over the 12 months ending 2026-09-20, 11 recorded sales closed at a median of $585,000, $284 per square foot, a median 55 days on market, sellers accepting 96% of original asking (-4% versus the prior year). Homes listed or recently sold were built 1999 - 2001; 15 of 15 report an HOA (median $100/mo); none of the 15 geocoded homes sit in a FEMA special flood hazard zone (median elevation 14 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $11,340 ($10,530 with the full homestead exemption).
| Location | OLDSMAR, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 201 (FL DOR 2025 assessment roll) |
| Years built | 1999–2002 (median 2001) |
| Typical living area | 2,240 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Playground, Deed Restrictions, Gated, Gated Community - No Guard, Gated Community |
| Sale prices, last 12 months | $585,000 median across 11 closed sales · $284 per sq ft · -4.1% vs the prior 12 months |
| Days on market (closed sales) | 55 median |
| For sale right now | 4 active, 0 pending · median asking $583,250 · 3.7 months of supply |
| Owner-occupied (homestead) share | 82% |
| Zoned public schools | Pinellas County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bay Arbor key facts,” movewithmomentum.com/neighborhoods/bay-arbor-oldsmar, data as of September 20, 2026.
Last 30 days in Bay Arbor: 3 new listings (median asking $567,500), 1 closed sale (median $572,000). As of October 4, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Bay Arbor
Live MLS inventory for Bay Arbor. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Bay Arbor listings as of 2026-10-01, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Tap any home to ask about it.
Every Home for Sale in Bay Arbor Oldsmar Right Now (3)
All 3 active and pending Bay Arbor Oldsmar listings with a detail page, newest first, refreshed twice a day from the MLS.
- 353 Bay Arbor Boulevard · $565,000 · 3 bd / 2 ba · listed Sep 17, 2026 · listed by Tam Bay Realty Llc
- 212 Arbor Woods Circle · $584,900 · 3 bd / 2.5 ba · listed Sep 10, 2026 · listed by Re/Max Realtec Group Inc
- 406 Wingate Circle · $567,500 · 3 bd / 2.5 ba · listed Sep 10, 2026 · listed by Beycome Of Florida Llc
Bay Arbor right now
🟡 Balanced market. 3.7 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: High (4 active and pending listings, 11 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($585K) is down 4.1% from the prior 12 months ($610K). With about 6 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (11 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 4, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Bay Arbor market snapshot (as of September 20, 2026): the median sale price is about $585K ($284 per sq ft over the trailing 12 months of closed sales), a median 55 days on market for closed sales, and 3.7 months of supply, a balanced market. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level Stellar MLS closed sales (11 closings in the current window).
In ZIP 34677 (OLDSMAR), 439 homes closed in the last 12 months at a median of $365K ($239/sq ft), down 4.5% year over year, with a median 61 days on market. Right now 90 active and 20 pending listings put supply at about 4.7 months - a buyer's market. See the live ZIP 34677 housing market and the Pinellas County market.
County records show 8 qualified sales in Bay Arbor across 2024 - 2025 (5 in 2024, 3 in 2025), median $610,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Bay Arbor: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
Bay Arbor is a community of 201 homes in Oldsmar, Pinellas County, built between 1999 and 2002 (median 2001), with a median living area of about 2,240 square feet. 82% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Bay Arbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Bay Arbor; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($585K) IS the median in the snapshot above, and the move from 2025 ($610K) IS the -4.1% one-year change.
Windows contain 0 to 15 sales each (11 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
17% of homes for sale in ZIP 34677 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-04).
Bay Arbor Market Scorecard
Bay Arbor is currently a seller's market. About 3.0 months of supply, a median asking price of $567,500, and homes go under contract in about 18 days.
Typical home value in the 34677 ZIP is $365,576, about 13.7% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Bay Arbor, OLDSMAR
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Bay Arbor on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Bay Arbor
- Pool · reported on 11 of 12 listings
- Deed Restrictions · reported on 10 of 12 listings
- Playground · reported on 10 of 12 listings
- Gated Community - No Guard · reported on 7 of 12 listings
- Gated · reported on 5 of 12 listings
- Gated Community · reported on 4 of 12 listings
- Irrigation-Reclaimed Water · reported on 3 of 12 listings
- Park · reported on 2 of 12 listings
- Gated Community - Guard · reported on 1 of 12 listings
- Association Recreation - Owned · reported on 1 of 12 listings
- Recreation Facilities · reported on 1 of 12 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Bay Arbor listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Bay Arbor address.
Shop the zone: Homes zoned for East Lake High-Pn High School
The Bay Arbor buying strategy.
If we were buying in Bay Arbor today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bay Arbor.
A closer look at the Bay Arbor market
At a median of $284 per square foot, Bay Arbor prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 3.7 months of supply, a balanced market and the trailing-12-month median down 4% year over year. Homes that do trade take a median 55 days on market, useful leverage on any listing that has lingered.
The housing stock is 201 homes built between 1999 and 2002, and 82% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Bay Arbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Bay Arbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.7). Basis: Recent Direction -4.1% year-over-year; Liquidity & Demand 3.7 months of supply; Owner Commitment 82% owner-occupied; Pricing Power 96.0% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $100/month (about $1,200/yr) · median of 320 MLS listings, most billed twice a year
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $100 per month ($1,200 a year) - the median AssociationFee across 320 MLS records, normalised to a monthly figure; most are billed twice a year. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bay Arbor buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay Arbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Arbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Arbor home worth?
Get a no-obligation home value based on real comparable sales in Bay Arbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Oldsmar →
Recently off market in Bay Arbor
Homes in Bay Arbor that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 219 Bay Arbor Boulevard · off market
- 355 Ventura Drive · off market
- 380 Rosalind Lane · off market
- 384 Wingate Circle · off market
Frequently Asked Questions
What is the median home price in Bay Arbor?
How long do homes in Bay Arbor take to sell?
Is Bay Arbor a buyer's or seller's market right now?
How many homes are in Bay Arbor?
What share of Bay Arbor is owner-occupied?
When were the homes in Bay Arbor built?
What schools serve Bay Arbor?
Who is the best real estate agent for Bay Arbor?
How do I find a top Oldsmar real estate agent who knows Bay Arbor?
Can Momentum Realty connect me with an agent for Bay Arbor?
Where is Bay Arbor, and what county is it in?
Is Bay Arbor in a flood zone?
Is Bay Arbor a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2005 (108 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Bay Arbor fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Bay Arbor
- Home values · What homes in Bay Arbor actually sell for
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