3256 BENTLEY DRIVE, PALM HARBOR, FL, 34684
Active139 days on marketListed Jun 1, 2026MLS #TB8513921
About this home
3256 BENTLEY DRIVE
One or more photos have been virtually staged. Price Reduced over $90k - Seller Motivated! Seller offering up to $23,000 in closing cost credits to fund a 3-2-1 rate buydown for the buyer with an acceptable offer. YOUR OWN PRIVATE POOL. NO REAR NEIGHBORS. Enjoy the Palm Harbor lifestyle in this four-bedroom, two-and-a-half-bath home in the desirable Village at Bentley Park. Set on a premium conservation lot, this home pairs peaceful backyard views with generous comfortable interior spaces and a three-car garage. Soaring ceilings and abundant natural light create an inviting first impression, while spacious living and dining areas offer room to gather, entertain, and unwind. The kitchen opens to the family room, complete with a wood-burning fireplace, and features a new stove and dishwasher. Upstairs, the oversized primary suite offers a spacious walk-in closet and an en-suite bath with granite countertops, a soaking tub, and a separate shower. Three additional bedrooms provide flexibility for guests, work, or hobbies. Outside, your private retreat awaits: a pool and spa, a fully fenced backyard, and a tranquil conservation backdrop with no rear neighbors. Recent updates include a new pool pump, along with recently new backyard fencing. With low HOA fees, zoning for Palm Harbor University High School, nearby Carwise Middle School, and convenient access to Gulf beaches, golf, shopping, dining, and major airports, this home brings together space, privacy, and everyday convenience at an Exceptional Value for Palm Harbor. Best Value Buy in Palm Harbor
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,607
Sqft
0.18 ac
Lot size
3
Garage
1993
Year built
Two
Levels
$249
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.
$4,226 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,226/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−10.8%
$/sqft vs Palm Harbor actives
$249 vs $268
Days on market
139 vs 68 typical
Where $249/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 Bentley Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Bentley Park — neighborhood snapshot
Population
909
Median age
57
Median income
$111,927
Median home value
$530,398
Avg household
2
Households w/ children
66%
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)
231 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 159% 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 3256 BENTLEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$620,000
3228 BENTLEY DRIVE · same community
4 bd · 3 ba · 2,518 sqft · $246/sqft · 90 DOM
Sold · Jun ’26$739,900
344 CASCADE LANE
5 bd · 3 ba · 2,618 sqft · $283/sqft · 7 DOM
Sold · Nov ’25$630,000
3569 ERMINE PATH
3 bd · 2.5 ba · 2,628 sqft · $240/sqft · 10 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3256 BENTLEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3256 BENTLEY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3256 BENTLEY DRIVE FAQs
What would the monthly payment be for 3256 BENTLEY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,226/mo — principal and interest, the actual property-tax bill, the $43/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 3256 BENTLEY DRIVE?+
The association fee works out to $43 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3256 BENTLEY DRIVE?+
The most recent tax bill on record (2025) was $3,403. 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 3256 BENTLEY DRIVE?+
The listing reports pets: Dogs OK. 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 $648,000, this home is listed about 67% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3256 BENTLEY DRIVE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$648,000 runs 159% above the PALM HARBOR 34684 median — but at 2,607 sqft it's also 74% 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.
03Time on market is leverage
139 days on market against a Palm Harbor median of 68 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $739,999, now $648,000 — a $92K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FILLMORE REAL ESTATE GROUP · Rob Fillmore. MLS #TB8513921.
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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