2571 CYPRUS DRIVE UNIT 1-104, PALM HARBOR, FL, 34684
Pending82 days on marketListed May 21, 2026MLS #TB8510432
About this home
2571 CYPRUS DRIVE UNIT 1-104
Live the ultimate Florida waterfront lifestyle! Welcome to this charming ground-floor condo situated on a peaceful canal leading directly into the pristine waters of Lake Tarpon deeded boat slip !! Fully equipped for effortless resort-style living, this home boasts a highly functional floor plan featuring a spacious main bedroom plus a bright, versatile bonus sunroom that easily adapts to your needs. No carpet here—enjoy easy-to-clean laminate flooring and the convenience of an inside laundry room. Best of all, this property comes with its own deeded boat slip, allowing you to cruise, fish, or jet ski at a moment's notice. Because the association permits short-term weekly rentals, this is an exceptional addition to any investment portfolio or a perfect private winter escape. Residents enjoy access to a community pool, heated spa, and convenient boat/vehicle storage. Minutes away from Pinellas County’s award-winning parks, beaches, and vibrant local dining. Waterfront living doesn't get more affordable or convenient than this! ert Community features Pool / spa cabana for entertaining great open views of Tarpon Lake.
Facts & features
The home at a glance
1
Bedrooms
5
Bathrooms
675
Sqft
0 ac
Lot size
1996
Year built
One
Levels
$243
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.
$1,386 /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
$1,386/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.
$/sqft vs Palm Harbor actives
$243 vs $258
Days on market
82 vs 50 typical
Where $243/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 Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
214 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 34% 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 2571 CYPRUS DRIVE UNIT 1-104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$170,000
2571 CYPRUS DRIVE UNIT 1-102 · same community
2 bd · 2 ba · 975 sqft · $174/sqft · 145 DOM
Sold · Sep ’25$106,000
3241 FOX CHASE CIRCLE N UNIT 106
1 bd · 1 ba · 614 sqft · $173/sqft · 29 DOM
Sold · Mar ’26$131,000
3295 FOX CHASE CIRCLE N UNIT 105
1 bd · 1 ba · 614 sqft · $213/sqft · 56 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 2571 CYPRUS DRIVE UNIT 1-104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2571 CYPRUS DRIVE UNIT 1-104 — 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
2571 CYPRUS DRIVE UNIT 1-104 FAQs
What would the monthly payment be for 2571 CYPRUS DRIVE UNIT 1-104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,386/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 2571 CYPRUS DRIVE UNIT 1-104?+
The most recent tax bill on record (2025) was $2,270. 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 2571 CYPRUS DRIVE UNIT 1-104?+
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 $163,800, this home is listed about 57% below the Palm Harbor median of $377,945. The market section on this page shows how the area is trending.
Which schools are assigned to 2571 CYPRUS DRIVE UNIT 1-104?+
Sutherland 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
Four things that matter here
01Under the PALM HARBOR 34684 market on paper
$163,800 is 34% below the PALM HARBOR 34684 median of $250,000, and at $243/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.
03Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $212,200, now $163,800 — a $48K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Octavia Cheveresan. MLS #TB8510432.
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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