14990 HIDDEN OAKS CIRCLE, CLEARWATER, FL, 33764
Active2 days on marketListed Nov 5, 2026MLS #TB8563831
About this home
14990 HIDDEN OAKS CIRCLE
Beautifully updated 3/2 Pool home in the heart of Clearwater! This spacious, light, and bright single-family residence perfectly balances a quiet neighborhood feel with ultimate convenience, situated ideally between Tampa and white sand beaches. Step inside a spacious, open layout filled with natural light pouring through an abundance of windows. The soaring ceilings create an airy atmosphere, anchored by an elegant electric fireplace that serves as a stunning centerpiece. Beautiful new ceramic tile flooring flows seamlessly throughout the entire home. The tastefully updated kitchen features premium stainless steel appliances and crisp, modern finishes. Escape to the private master suite, where the luxurious, spa-like bathroom boasts a standalone freestanding tub and modern glass shower doors. Your private outdoor oasis awaits! The sparkling pool features a brand-new finish and is completely surrounded by elegant, high-end limestone pavers—the perfect setup for entertaining or relaxing in the sun. Located just moments from major roads, this turnkey home offers a serene escape without sacrificing a fast commute.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,887
Sqft
0.12 ac
Lot size
2
Garage
2000
Year built
One
Levels
$315
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.
$4,446 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,446/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+15.7%
$/sqft vs Clearwater actives
$315 vs $240
Days on market
2 vs 55 typical
Where $315/sqft sits among the 400 Clearwater 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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33764 — neighborhood snapshot
Population
27,311
Median age
50.8
Median income
$67,256
Median home value
$329,900
Avg household
2.19
Households w/ children
2,088
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$330K → $275K
Clearwater median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
196 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 194% above the CLEARWATER 33764 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 14990 HIDDEN OAKS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$430,000
14990 HIDDEN OAKS CIRCLE · same community
3 bd · 2 ba · 1,887 sqft · $228/sqft · 29 DOM
Sold · Dec ’25$519,000
14935 HIDDEN OAKS CIRCLE · same community
3 bd · 2 ba · 1,660 sqft · $313/sqft · 5 DOM
Sold · Nov ’26$375,000
6980 ULMERTON ROAD UNIT 9E
3 bd · 2.5 ba · 1,845 sqft · $203/sqft · 32 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14990 HIDDEN OAKS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14990 HIDDEN OAKS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14990 HIDDEN OAKS CIRCLE FAQs
What would the monthly payment be for 14990 HIDDEN OAKS CIRCLE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,446/mo — principal and interest, the actual property-tax bill, the $66/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 14990 HIDDEN OAKS CIRCLE?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14990 HIDDEN OAKS CIRCLE?+
The most recent tax bill on record (2025) was $3,027. 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 14990 HIDDEN OAKS CIRCLE?+
The listing reports pets: Yes. 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 Clearwater?+
At $595,000, this home is listed about 99% above the Clearwater median of $299,737. The market section on this page shows how the area is trending.
Which schools are assigned to 14990 HIDDEN OAKS CIRCLE?+
Belcher Elementary School (elementary), Oak Grove Middle School (middle), Clearwater 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
$595,000 runs 194% above the CLEARWATER 33764 median — but at 1,887 sqft it's also 48% larger than the typical Clearwater listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a Clearwater market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Robert McDugald. MLS #TB8563831.
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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