3505 TARPON WOODS BLVD UNIT P408, PALM HARBOR, FL, 34685
Active180 days on marketListed Apr 21, 2026MLS #O6400609
About this home
3505 TARPON WOODS BLVD UNIT P408
Move right in and start enjoying the Florida lifestyle! This fully furnished and equipped 2-bedroom, 2-bath condo offers 1,333 sq. ft. of spacious, comfortable living in the desirable East Lake area of Palm Harbor. Located on the second floor, the home features a split-bedroom floor plan, vaulted ceilings, and peaceful pond views from the open living and dining areas. The kitchen offers plenty of cabinet and counter space and comes fully equipped with cookware and essentials. A separate interior laundry room includes a full-size washer and dryer. The spacious primary suite features a walk-in closet and private bath with dual sinks and a walk-in shower, while the second bedroom provides plenty of room for guests or a home office. Major updates include a NEW HVAC system in 2026 and a NEW ROOF in 2025, with the roof special assessment already paid. The condo has been gently used as a seasonal residence and is being sold fully furnished and equipped—just bring your suitcase. The heated community pool and spa are just steps away, and the condo includes a dedicated covered carport conveniently located near the entrance. The monthly HOA fee includes water, sewer, cable, trash, exterior maintenance, roof, and building insurance. Enjoy easy access to John Chesnut Sr. Park, Lake Tarpon, walking and biking trails, the East Lake YMCA, golf, shopping and dining, with Gulf beaches and Tampa International Airport just a short drive away. Whether you're looking for a full-time home or an easy Florida getaway, this condo offers space, convenience, and truly low-maintenance living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,333
Sqft
2.1 ac
Lot size
1984
Year built
One
Levels
$141
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.
$2,144 /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
$2,144/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
+0.8%
$/sqft vs Palm Harbor actives
$141 vs $265
Days on market
180 vs 68 typical
Where $141/sqft sits among the 400 Palm Harbor 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 Tarpon Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Tarpon Woods — neighborhood snapshot
Population
2,471
Median age
48
Median income
$78,417
Median home value
$451,267
Avg household
2
Households w/ children
293
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
232 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3505 TARPON WOODS BLVD UNIT P408
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$181,500
3505 TARPON WOODS BOULEVARD UNIT P403 · same community
2 bd · 2 ba · 1,371 sqft · $132/sqft · 57 DOM
Sold · Apr ’26$168,000
3505 TARPON WOODS BOULEVARD UNIT H410 · same community
2 bd · 2 ba · 1,224 sqft · $137/sqft · 154 DOM
Sold · Mar ’26$200,000
1200 TARPON WOODS BOULEVARD UNIT P1
2 bd · 2 ba · 1,335 sqft · $150/sqft · 193 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3505 TARPON WOODS BLVD UNIT P408 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3505 TARPON WOODS BLVD UNIT P408 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3505 TARPON WOODS BLVD UNIT P408 FAQs
What would the monthly payment be for 3505 TARPON WOODS BLVD UNIT P408?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,144/mo — principal and interest, the actual property-tax bill, the $676/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 3505 TARPON WOODS BLVD UNIT P408?+
The association fee works out to $676 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3505 TARPON WOODS BLVD UNIT P408?+
The most recent tax bill on record (2025) was $1,417. 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 3505 TARPON WOODS BLVD UNIT P408?+
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 Palm Harbor?+
At $188,000, this home is listed about 52% below the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3505 TARPON WOODS BLVD UNIT P408?+
Cypress Woods 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
Five things that matter here
01Under the PALM HARBOR 34685 market on paper
$188,000 is 54% below the PALM HARBOR 34685 median of $410,000, and at $141/sqft it sits under the Palm Harbor average of $272.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $676/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
180 days on market against a Palm Harbor median of 68 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Cypress Woods Elementary School, Joseph L. Carwise Middle School, East Lake High School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOPKEY REALTY · Uno Sorlie. MLS #O6400609.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 3505 TARPON WOODS BLVD UNIT P408 but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →