Emerald Bay
Homes for Sale in Oldsmar, FL
All 180 homes for sale in Oldsmar, FL · median $330,500 · 151 homes for sale in 34677 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Emerald Bay in Oldsmar, FL has 1 home for sale. As of October 2026, the MLS records 21 closed sales in Emerald Bay in Oldsmar, FL since 2004, the most recent in October 2025. Across Oldsmar as a whole, 296 homes closed in the last 12 months at a median of $364,750, 61 median days on market, with 154 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,070 ($6,260 with the full homestead exemption).
Emerald Bay is a small, established pocket of Oldsmar - 75 homes built between 1985 and 2004, with a median build year of 1993. At a median living area of 1,264 square feet, these are modest-footprint homes, and pricing here tracks condition and updates more than square footage or lot premiums, since the stock is fairly uniform in age and size.
With only one active listing and a single closing in the most recent window, this is a thin market to read in real time - the 12-month supply figure reflects how little turns over here, not necessarily buyer hesitation. That posture favors sellers who are patient and buyers who are willing to wait for the right unit rather than choose from several.
Figures in this note are as of July 20, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Emerald Bay right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
A compact deed-restricted community of 75 homes in Oldsmar, built out mostly through the 1990s and into the early 2000s, with amenities centered on a clubhouse and pool and an HOA that requires buyer approval.
Stellar MLS sales records identify 55 homes in Emerald Bay that have changed hands since 2004, built between 1990 and 2004 (median 1993), with a median living area of about 1,264 sq ft and a typical 3-bedroom, 2.5-bath layout; 89% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 3 qualified sales in Emerald Bay across 2024–2024, median $276,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Emerald Bay is best for.
Best for
- A buyer seeking a smaller, low-maintenance home in an established, amenity-lite deed-restricted community.
- A buyer comfortable with a longer search timeline given how few homes list here at once.
- A buyer who values clubhouse and pool access over square footage.
Probably not for
- A buyer who wants a wide selection of active listings to compare before deciding.
- A buyer who needs to close quickly and wants to avoid an HOA buyer-approval process.
- A buyer prioritizing larger living space over a compact, consistent floor-plan community.
The market around Emerald Bay
Emerald Bay is too small for its own price trend, so here is the market around it.
In ZIP 34677, 185 homes are on the market and 19% are under contract — a steady corner of Oldsmar.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
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.
ZIP and county figures describe the wider market, not Emerald Bay specifically. Momentum Research analysis of MLS records.
Life at Emerald Bay
- Clubhouse · reported on 2 of 2 listings
- Deed Restrictions · reported on 2 of 2 listings
- Community Mailbox · reported on 1 of 2 listings
- Pool · reported on 1 of 2 listings
- Buyer Approval Required · reported on 1 of 2 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 Emerald Bay 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 Emerald Bay address.
Recent Developments in Emerald Bay
Development, infrastructure, retail, and school activity affecting Emerald Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
What it may mean for the marketNew downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The project is about 19 miles south of Emerald Bay, elsewhere in Pinellas County.
Source: Tampa Bay Business and Wealth - August 2026Development
AECOM Hunt selected as construction manager for proposed $2.3 billion Rays ballpark in Tampa
AECOM Hunt joined the design team led by Populous for the proposed ballpark on a site that includes Hillsborough College property. The stadium would have at least 28,000 fixed seats, with a construction start targeted for September 2026 and completion by late 2028. Tampa's public contribution is up to $80 million and financing is not finalized.
What it may mean for the marketA large ballpark and surrounding mixed-use district would add construction jobs, event traffic and retail demand on the Dale Mabry corridor. The site is about 11 miles east of Emerald Bay.
Source: Tampa Bay Business and Wealth - August 2026Infrastructure
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
What it may mean for the marketAirport capital spending supports construction employment and long-term air service capacity for the region. The site is about 10 miles southeast of Emerald Bay.
Source: Tampa Bay Business and Wealth - July 2026Infrastructure
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
What it may mean for the marketEstablishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The project is about 19 miles south of Emerald Bay, elsewhere in Pinellas County.
Source: FOX 13 Tampa Bay - July 2026Development
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
What it may mean for the marketAdvances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 19 miles south of Emerald Bay, elsewhere in Pinellas County.
Source: St Pete Catalyst - July 2026Development
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
What it may mean for the marketAdds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 19 miles south of Emerald Bay, elsewhere in Pinellas County.
Source: Florida YIMBY
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Emerald Bay buying strategy.
If we were buying in Emerald Bay 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Emerald Bay.
A small, tightly held pocket
Emerald Bay's defining feature is scale: 75 homes total, and at any given time only a handful - sometimes as few as one - are listed. That makes this a market where timing matters more than negotiating leverage. The homestead share of just under 55% suggests a meaningful share of these homes are owner-occupied rather than turned over as rentals or investment holds, which tends to support steadier upkeep across the community but also means fewer homes cycle onto the market in a given year.
Homes here were built across a fairly tight 19-year window (1985 - 2004), so buyers are shopping a fairly consistent product - no major generational gap between an original-owner 1980s home and a 2000s build. Buyer approval required by the HOA is worth flagging early: it adds a step to closing timelines that doesn't exist in non-deed-restricted communities, and it's worth confirming the current approval process and any rental restrictions directly with the HOA before writing an offer.
The location and the amenities are priced into every listing in Emerald Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on inventory, knowing what's about to list - or what just came off market - matters more than in a high-volume neighborhood. We track Emerald Bay's limited activity closely, understand the HOA's buyer approval process, and can help you move decisively when one of the few available homes fits what you need.
Emerald Bay in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Emerald Bay 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 Emerald Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Emerald Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Emerald Bay home worth?
Get a no-obligation home value based on real comparable sales in Emerald Bay, 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 Emerald Bay
Homes in Emerald Bay 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. 1 on record.
- 62 Emerald Bay Drive · off market
| Location | Oldsmar, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 73 (FL DOR 2025 assessment roll) |
| Years built | 1990–2004 (median 1993.5) |
| Typical living area | 1,264 sq ft (median) |
| Amenities listed by sellers | Clubhouse, Deed Restrictions, Buyer Approval Required, Community Mailbox, Pool |
| For sale right now | 1 active, 0 pending · median asking $189,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 56% |
| 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 2004 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Emerald Bay key facts,” movewithmomentum.com/neighborhoods/emerald-bay-oldsmar, data as of September 20, 2026.
Housing distress & ownership in Emerald Bay, 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 October 2026 through October 2026. Deemed reliable but not guaranteed.
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Oldsmar guides & data
- Market data
- Cost of living
- Best neighborhoods
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
- Gated communities guide
Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Emerald Bay Drive (38 homes on record)
- Emerald Bay Drive (15 homes on record)
Email me new listings in Emerald Bay
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Emerald Bay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Emerald Bay will answer, and the answer is published on this page for the next buyer.
20% 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 (2026-10-16).
Price History: What Homes Here Have Actually Sold For
Median sale prices in Emerald Bay Oldsmar year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
Is Emerald Bay a buyer's or seller's market right now?
How many homes are in Emerald Bay?
What share of Emerald Bay is owner-occupied?
When were the homes in Emerald Bay built?
What schools serve Emerald Bay?
Who is the best real estate agent for Emerald Bay?
How do I find a top Oldsmar real estate agent who knows Emerald Bay?
Can Momentum Realty connect me with an agent for Emerald Bay?
Where is Emerald Bay, and what county is it in?
Should you buy in Emerald Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 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 2004 (21 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.
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