40 CONCORD LANE, PALM HARBOR, FL, 34684
Active173 days on marketListed Feb 16, 2026MLS #TB8476911
About this home
40 CONCORD LANE
Welcome to easy Florida living in the highly desirable Lake Tarpon Mobile Home Village 55+ community where you OWN YOUR LAND. This beautifully maintained and tastefully furnished 2BR/2BA manufactured home, built in 1978 and set on a generous 62' x 97' lot, is the perfect blend of comfort, convenience, and value. Whether you are searching for a full-time residence, seasonal retreat, or investment opportunity, this move-in-ready home offers flexibility and features to fit your lifestyle. From the moment you enter, you are greeted by an inviting Florida room with double-pane windows and naturally flows into the main living space, creating an open and welcoming feel. Laminate flooring runs throughout the home with vinyl flooring in the bathrooms. Ceiling fans with light fixtures add comfort and style. The kitchen is designed for everyday ease with enough counter space, cabinetry and drawers, a range with oven, double stainless-steel sink, refrigerator, and range hood. The dining area is spacious and includes built-in cabinetry for added storage and function. The dining room flows into the generous living room which has an airy feel with plenty of entertaining space and seating. Both bedrooms are substantially sized and comfortably furnished with queen-size beds, dressers, and excellent closet space. The primary suite features a walk-in closet and private ensuite bath with a walk-in shower, and spacious vanity. The second bathroom offers expansive counter space, extra storage and vinyl flooring. Offered fully furnished and attractively decorated, this home is truly turnkey and ready to enjoy from day one. Outside, you will appreciate the large, screened porch, ideal for relaxing or entertaining, along with convenient access to the backyard and shed. The carport and driveway provide plenty of parking, while the large shed offers plenty of storage and houses the washer and dryer. Additional highlights include a roof over, solid flooring, and an irrigation system supplied by a well. With an exceptionally low HOA fee of just $109.69 each month, residents own their own land, enjoy access to a lively golf cart friendly community that enjoys many social activities and includes a private boat dock and fishing pier on Lake Tarpon, a large remodeled heated pool with sundeck and covered seating areas, clubhouse with full kitchen, stage, sound system and screen, card room, library, billiard room, shuffleboard, bocce ball, horseshoes, golf practice net, as well as a picnic and grilling area. There is an area used for pickleball. Easily accessible to many dining options, golf courses, shopping, parks, entertainment and beautiful Gulf beaches as well as two major airports. This is an outstanding opportunity to own a well-cared for home in one of the area’s most popular 55+ communities. Schedule your showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,160
Sqft
0.14 ac
Lot size
1978
Year built
One
Levels
$198
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.
$1,924 /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
$1,924/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
+42%
$/sqft vs LAKE TARPON MOBILE HOME VILLAGE
$198 vs $198
Days on market
173 vs 47 typical
Where $198/sqft sits among the 16 homes for sale in LAKE TARPON MOBILE HOME VILLAGE
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 Lake Tarpon Mobile Home Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Tarpon Mobile Home Village — neighborhood snapshot
Population
681
Median age
65
Median income
$69,118
Median home value
$169,600
Avg household
2
Households w/ children
48%
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 → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
8 of 16
LAKE TARPON MOBILE HOME VILLAGE have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 40 CONCORD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$300,000
44 HARBOR WAY UNIT 7 · same community
2 bd · 2 ba · 1,152 sqft · $260/sqft · 88 DOM
Sold · Sep ’25$200,000
126 PHILADELPHIA BOULEVARD UNIT 10 · same community
2 bd · 2 ba · 1,152 sqft · $174/sqft · 127 DOM
Sold · Nov ’25$290,000
267 COLONIAL BOULEVARD UNIT 9 · same community
2 bd · 2 ba · 1,104 sqft · $263/sqft · 200 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 CONCORD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 CONCORD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40 CONCORD LANE FAQs
What would the monthly payment be for 40 CONCORD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,924/mo — principal and interest, the actual property-tax bill, the $110/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 40 CONCORD LANE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 40 CONCORD LANE?+
The most recent tax bill on record (2025) was $2,389. 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 40 CONCORD LANE?+
The listing reports pets: No. 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 $229,900, this home is listed about 39% below the Palm Harbor median of $379,945. The market section on this page shows how the area is trending.
Which schools are assigned to 40 CONCORD LANE?+
Highland Lakes Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34684 market on paper
$229,900 is 8% below the PALM HARBOR 34684 median of $250,000, and at $198/sqft it sits under the Palm Harbor average of $272.
02Time on market is leverage
173 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $247,900, now $229,900 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of A BETTER WAY REALTY INC · Angela Criscuoli. MLS #TB8476911.
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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