604 CHESTNUT STREET, OLDSMAR, FL, 34677
Active12 days on marketListed Sep 10, 2026MLS #O6440578
About this home
604 CHESTNUT STREET
MOTIVATED SELLER! Will consider owner financing or partial property trade. Charming older block home. 5 bedroom 3 bath ranch style home in Historic Part of Oldsmar. 300 yds from Tampa Bay and 2 blocks from an "A" rated Elementary School. Home has several upgrades but needs a little TLC. Home sits on 2 lots, and the vacant Lot 13 is available for separate purchase at $349k. You can purchase the house on Lot 12 only for $449k and a leaseback of Lot 13.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,245
Sqft
0.39 ac
Lot size
1
Garage
1960
Year built
One
Levels
$249
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 — not generic estimates.
$4,282 /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
$4,282/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.
$/sqft vs OLDSMAR REV MAP
$249 vs $314
Days on market
12 vs 56 typical
Where $249/sqft sits among the 6 homes for sale in OLDSMAR REV MAP
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 Oldsmar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oldsmar. See the full Oldsmar guide →
OLDSMAR 34677 — neighborhood snapshot
Population
22,337
Median age
47.3
Median income
$85,389
Median home value
$352,200
Avg household
2.49
Households w/ children
2,157
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)
5 of 6
OLDSMAR REV MAP have cut their price
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
Reality check
What actually sold near 604 CHESTNUT STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$425,000
5 N HAYES ROAD · same community
5 bd · 2 ba · 2,340 sqft · $182/sqft · 68 DOM
Sold · Mar ’26$535,000
400 ARLINGTON AVENUE E · same community
3 bd · 2.5 ba · 2,354 sqft · $227/sqft · 175 DOM
Sold · Feb ’26$415,000
210 LEE STREET · same community
3 bd · 2.5 ba · 2,094 sqft · $198/sqft · 69 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 604 CHESTNUT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 604 CHESTNUT STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
604 CHESTNUT STREET FAQs
What would the monthly payment be for 604 CHESTNUT STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,282/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 604 CHESTNUT STREET?+
The most recent tax bill on record (2025) was $7,011. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Oldsmar?+
At $559,000, this home is listed about 72% above the Oldsmar median of $324,900. The market section on this page shows how the area is trending.
Which schools are assigned to 604 CHESTNUT STREET?+
Oldsmar 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
$559,000 runs 120% above the OLDSMAR 34677 median — but at 2,245 sqft it's also 70% larger than the typical Oldsmar listing.
02Strong assigned schools
Oldsmar Elementary School, Joseph L. Carwise Middle School, East Lake High School — Oldsmar Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $569,000, now $559,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHEVON EATON · Chevon Eaton. MLS #O6440578.
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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