2627 SURREY DRIVE, PALM HARBOR, FL, 34684
Active75 days on marketListed May 26, 2026MLS #TB8512001
About this home
2627 SURREY DRIVE
The home is also equipped with hurricane-grade windows by Pell and 3rd nail roof straps for peace of mind! Welcome to your private oasis at 2627 Surrey Drive, a beautifully maintained 4-bedroom, 2-bathroom single-family POOL home offering the ultimate Florida lifestyle with NO KNOWN HOA fees in a quiet neighborhood. Inside, the spacious open floor plan blends durable tile and laminate flooring with modern updates, including stainless steel kitchen appliances, custom stone-accented bathrooms, and a massive bonus den that easily transforms into a home office or game room. Step outside into a spectacular, fully screened lanai featuring a patio and a sparkling in-ground pool. Beyond the property line, you are minutes from world-class coastal recreation, including the pristine white sands of Honeymoon Island and Caladesi Island, the championship golf courses at Innisbrook Resort, and the scenic trails at Wall Springs Park. You are also close to the vibrant dining at the historic Tarpon Springs Sponge Docks, and an easy 30-to-35-minute commute to both St. Pete-Clearwater and Tampa International Airports. Come see this home today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,706
Sqft
0.14 ac
Lot size
2
Garage
1983
Year built
One
Levels
$263
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.
$3,299 /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
$3,299/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
−19.9%
$/sqft vs Palm Harbor actives
$263 vs $261
Days on market
75 vs 48 typical
Where $263/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)
226 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 80% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2627 SURREY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$460,000
3359 CARRIAGE DRIVE · same community
4 bd · 2 ba · 1,524 sqft · $302/sqft · 105 DOM
Sold · Jan ’26$435,000
2585 RIDGE LANE · same community
3 bd · 2 ba · 1,418 sqft · $307/sqft · 165 DOM
Sold · Apr ’26$350,000
2589 ORANGEWOOD COURT · same community
3 bd · 2 ba · 1,288 sqft · $272/sqft · 150 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2627 SURREY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2627 SURREY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2627 SURREY DRIVE FAQs
What would the monthly payment be for 2627 SURREY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,299/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 2627 SURREY DRIVE?+
The most recent tax bill on record (2025) was $3,561. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $449,000, this home is listed about 18% above the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2627 SURREY DRIVE?+
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
01Positioned at the premium end
$449,000 runs 80% above the PALM HARBOR 34684 median — but at 1,706 sqft it's also 15% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $469,900, now $449,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Anna Booker. MLS #TB8512001.
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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