3128 HARVARDSTON LOOP, HOLIDAY, FL, 34691
Active66 days on marketListed Aug 20, 2026MLS #TB8540537
Come see it
Upcoming open house
Sun, Oct 25
12:00 PM – 2:00 PM
About this home
3128 HARVARDSTON LOOP
Virtually Staged. Now FHA Eligible! Welcome home to this beautifully updated 3-bedroom, 2-bath residence in the heart of Holiday, where modern upgrades, flexible living space, and everyday convenience come together in one move-in-ready package. From the moment you step inside, you'll appreciate the bright, open layout designed for comfortable living and effortless entertaining. The spacious living area flows seamlessly into the beautifully renovated kitchen, featuring white shaker cabinetry, quartz countertops, and a convenient pass-through window that enhances both natural light and functionality. Recent improvements provide peace of mind and lasting value, including a brand-new roof, luxury vinyl plank flooring throughout, fresh interior and exterior paint, and tastefully updated bathrooms. Every detail has been thoughtfully refreshed so you can move right in and start enjoying your new home. One of the standout features is the enclosed Florida room, offering versatile bonus space perfect for a home office, playroom, fitness area, or additional family room. Outside, the fully fenced backyard provides privacy and room for pets, gardening, or weekend barbecues with family and friends. Residents enjoy access to community amenities including a sparkling pool, clubhouse, and playground, making it easy to enjoy the Florida lifestyle without expensive HOA fees. Ideally located just minutes from Gulf beaches, parks, shopping, dining, and everyday conveniences, this home offers the perfect blend of comfort, value, and location. With major updates already completed and FHA financing now available, this is an opportunity you won't want to miss. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,048
Sqft
0.13 ac
Lot size
1
Garage
1969
Year built
One
Levels
$258
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.
$2,224 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,224/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.
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
+23.9%
$/sqft vs BEACON SQUARE
$258 vs $189
Days on market
66 vs 60 typical
Where $258/sqft sits among the 56 homes for sale in BEACON SQUARE
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 Holiday
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holiday. See the full Holiday guide →
HOLIDAY 34691 — neighborhood snapshot
Population
20,072
Median age
46.3
Median income
$48,387
Median home value
$172,100
Avg household
2.13
Households w/ children
1,689
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holiday market
$233K → $220K
Holiday median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
38 of 56
BEACON SQUARE have cut their price
Median sold price, Holiday, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the HOLIDAY 34691 median. See the full Holiday market guide →
Paper trail
This home's history
Reality check
What actually sold near 3128 HARVARDSTON LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$193,000
4009 LITCHFIELD DRIVE · same community
2 bd · 1 ba · 1,048 sqft · $184/sqft · 59 DOM
Sold · Mar ’26$210,000
4234 RIDGEFIELD AVENUE · same community
3 bd · 2 ba · 1,056 sqft · $199/sqft · 5 DOM
Sold · Jun ’26$195,900
3609 LUMA DRIVE · same community
2 bd · 1.5 ba · 1,068 sqft · $183/sqft · 26 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3128 HARVARDSTON LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3128 HARVARDSTON LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3128 HARVARDSTON LOOP FAQs
What would the monthly payment be for 3128 HARVARDSTON LOOP?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,224/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 3128 HARVARDSTON LOOP?+
The most recent tax bill on record (2025) was $1,099. 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 3128 HARVARDSTON LOOP?+
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 Holiday?+
At $269,900, this home is listed about 13% above the Holiday median of $239,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3128 HARVARDSTON LOOP?+
Paul R. Smith Middle School (middle), Anclote High School (high), Gulfside Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Rick Ford. MLS #TB8540537.
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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