1290 CLAYS TRAIL UNIT 1403, OLDSMAR, FL, 34677
Active3 days on marketListed Oct 16, 2026MLS #TB8552126
About this home
1290 CLAYS TRAIL UNIT 1403
Welcome to true maintenance-free living in the gated golf community of East Lake Woodlands. Simplify your life while still enjoying plenty of room with this move-in ready, spacious 2,700-sq. ft. townhome-style condominium offering 3 bedrooms, 2.5 baths, a versatile first-floor bonus area and sweeping golf course views. The bonus space offers exceptional flexibility and can be used as a home office, exercise room, playroom, media space or den. With high ceilings, crown molding and an inviting open-concept design, this home seamlessly connects the kitchen, dining area and family room creating an ideal setting for everyday living and entertaining. Inviting is the word to describe the well-appointed kitchen featuring wood cabinetry, gleaming granite countertops, expansive breakfast bar with plenty of seating and direct sightlines into the family room with recent updates including new lighting and Frigidaire Gallery refrigerator and Whirlpool microwave (2025). Other updates in 2025 include fresh interior paint, a new LG washer and dryer and new ceiling fans and light fixtures. The efficient 5-ton air-conditioning unit was replaced in 2025 as well providing added peace of mind. As a private retreat, the spacious primary suite affords gorgeous golf course views, wood floors, a large walk-in closet and an additional sitting area perfect for a den, reading nook or home office. The beautifully appointed primary bath features new cabinetry with tower storage, stunning quartz countertops, a freestanding soaking tub and gorgeous tile throughout. Two additional bedrooms provide generous room for family and guests and ample closet space. The secondary bathrooms feature updated cabinetry with quartz countertops in addition to an updated laundry room. Enjoy Florida living on the screened, covered patio, with an additional open area perfect for grilling, outdoor dining and entertaining while taking in the tranquil golf course backdrop. The maintenance-free lifestyle makes it easy to simplify and relax, with just two monthly bills to manage. With the 2025 A/C, electric bills for the owner have typically ranged from $130 to $230 during the summer, while the condo monthly maintenance fee covers comprehensive services including water and sewer, trash and recycling collection, lawn care and maintenance, exterior building maintenance including roof (installed 2020), termite prevention program, cable and internet services, insurance on building structure and escrow reserves. Plus residents also enjoy access to a sparkling community pool! Optional memberships are available for Ardea Country Club, offering access to 2 golf courses, fitness center, tennis and pickleball, a heated lap pool and freeform pool, poolside café, casual dining and a variety of social events and activities. Conveniently located near Tampa International Airport, top-rated schools, medical facilities, beaches and parks, professional sporting events and the many attractions of Tampa Bay, this East Lake Woodlands home delivers comfort, convenience and amenities all with golf course views. Move-in ready and maintenance free means more time to relax when at home or traveling!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,700
Sqft
0.59 ac
Lot size
1
Garage
1993
Year built
Two
Levels
$174
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.
$4,343 /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
$4,343/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
+6.9%
$/sqft vs Oldsmar actives
$174 vs $223
Days on market
3 vs 65 typical
Where $174/sqft sits among the 154 Oldsmar actives
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 → $360K
Oldsmar median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
83 of 154
Oldsmar actives have cut their price
Median sold price, Oldsmar, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 88% above the OLDSMAR 34677 median. See the full Oldsmar market guide →
Paper trail
This home's history
Reality check
What actually sold near 1290 CLAYS TRAIL UNIT 1403
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$400,000
1292 CLAYS TRAIL · same community
3 bd · 2.5 ba · 2,700 sqft · $148/sqft · 87 DOM
Sold · May ’26$350,000
1223 CLAYS TRAIL · same community
4 bd · 2.5 ba · 2,600 sqft · $135/sqft · 153 DOM
Sold · Jul ’26$270,000
1203 CLAYS TRAIL UNIT 406 · same community
2 bd · 2 ba · 1,910 sqft · $141/sqft · 460 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1290 CLAYS TRAIL UNIT 1403 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1290 CLAYS TRAIL UNIT 1403 — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1290 CLAYS TRAIL UNIT 1403 FAQs
What would the monthly payment be for 1290 CLAYS TRAIL UNIT 1403?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,343/mo — principal and interest, the actual property-tax bill, the $934/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 1290 CLAYS TRAIL UNIT 1403?+
The association fee works out to $934 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1290 CLAYS TRAIL UNIT 1403?+
The most recent tax bill on record (2025) was $3,369. 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 1290 CLAYS TRAIL UNIT 1403?+
The listing reports pets: Cats OK, 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 $469,000, this home is listed about 43% above the Oldsmar median of $329,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1290 CLAYS TRAIL UNIT 1403?+
Joseph L. Carwise Middle School (middle), Forest Lakes Elementary School (elementary), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$469,000 runs 88% above the OLDSMAR 34677 median — but at 2,700 sqft it's also nearly twice the size of the typical Oldsmar listing.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $934/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 3 days on market in a Oldsmar market that averages 65 — if it fits, move quickly.
05Strong assigned schools
Joseph L. Carwise Middle School, Forest Lakes Elementary School, East Lake High School — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Claudia Tweed. MLS #TB8552126.
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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