CENTURY 21 Edge
$767,900$865,0004 bd3 ba2,473 sqft$311 /sqft≈$5,175 /mo all-in ↓

1874 STABLE TRAIL, PALM HARBOR, FL, 34685

Active103 days on marketListed Jul 8, 2026MLS #TB8526199

✦ Reduced $97KPrivate poolSingle Family ResidenceBOOT RANCH - EAGLE RIDGE PH A

About this home

1874 STABLE TRAIL

Welcome to 1874 Stable Trail, where thoughtful design, custom craftsmanship, and effortless Florida living come together in Eagle Ridge at Boot Ranch. Set on an expansive pie-shaped homesite of approximately 0.24 acres, this single-story 4-bedroom, 3-bath pool residence offers 2,473 square feet of beautifully updated living space designed for both everyday living and memorable entertaining. A welcoming foyer opens to generous formal living and dining spaces featuring wood-look tile flooring, crown molding, and glass French doors overlooking the covered pool patio. The kitchen blends function with character, offering wood cabinetry, granite countertops, stainless steel appliances, a double-stack oven, and custom reclaimed Chicago brick accents. The kitchen flows seamlessly into the expansive family room, where custom Dutch lap detailing creates a distinctive feature wall, bar face, and fireplace surround. A wood-burning fireplace with a hand-hewn reclaimed mantle and reclaimed Chicago brick hearth anchors the space with warmth and character. The adjacent dinette overlooks the pool and backyard, while a full pool bath provides convenient access to the outdoor living area. The primary suite offers a private retreat with French doors opening directly to the pool and patio, dual walk-in closets, and a fully remodeled ensuite bath featuring a soaking tub, dual-sink custom vanity, classic nickel-gap shiplap, designer lighting, and a beautifully tiled walk-in shower with rainfall system. Three additional bedrooms provide flexible space for family, guests, a home office, or hobbies, while two additional bathrooms have been remodeled in a cohesive contemporary style. Every closet has been professionally customized to maximize storage and organization. The thoughtful updates continue beyond the interior, with replacement windows installed in 2019, an AC system installed in June 2020, and a tankless water heater added in 2024. The pool was completely refinished in 2024, complementing the home’s updated interiors and creating a refreshed setting for outdoor living. Outside, the expansive pie-shaped homesite provides generous usable space around the refinished pool and covered patio. The cul-de-sac setting adds to the peaceful atmosphere, creating an ideal backdrop for relaxing, entertaining, and enjoying Florida’s year-round sunshine. A two-car garage and paver driveway add everyday convenience and curb appeal. Located within Boot Ranch, the home offers convenient access to golf, parks, Lake Tarpon, the Pinellas Trail, Gulf beaches, shopping, dining, and Tampa International Airport. With its custom architectural details, thoughtfully updated interiors, professionally customized storage, remodeled baths, refreshed pool, and established major systems, 1874 Stable Trail offers a distinctive combination of character, functionality, and true move-in-ready Florida living.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,473

Sqft

0.24 ac

Lot size

2

Garage

1988

Year built

One

Levels

$311

Per sqft

Private poolPets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesCooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ParkingDeeded · Driveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System

Community & fees

HOA fee$75/mo
Taxes (2025)$6,107/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fire Hydrant · Phone Available · Sewer Connected · Water Connected
WaterPublic

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.

$5,175 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,144
PMI (est., until 20% equity)$288
Property tax — 2025 actual bill$509
HOA fee — from the listing$75
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,790Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $76,790
Interest rate6.00%
Loan term

Estimated payment

$5,175/mo

Principal & interest$4,144
PMI (est., until 20% equity)$288
Property taxes (actual bill)$509
HOA / condo fee$75
Est. insurance$160

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.

List $768K
$713KedgeAI estimate $776,481 · range $743K–$817K$850K

vs edgeAI estimate

−1.1%

$/sqft vs Palm Harbor actives

$311 vs $265

Days on market

103 vs 68 typical

Where $311/sqft sits among the 400 Palm Harbor actives

72
78
80
94 · this home
35
41
$149–193$193–237$237–282$282–326$326–370$370+

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

Tampa Int’l Airport (TPA)≈ 31 min
Downtown Tampa≈ 35 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

PALM HARBOR 34685 — neighborhood snapshot

Population

17,895

Median age

48.7

Median income

$87,658

Median home value

$479,400

Avg household

2.45

Households w/ children

1,931

For the school run

Pinellas County School District

MiddleJoseph L. Carwise Middle School★★★★★
ElementaryForest Lakes Elementary School★★★★★
HighEast Lake High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller — 3.7 months of inventoryBuyer’s 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 87% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $767,900 ▼ $97K
Jul 8, 2026Listed at $865,000 · 103 days on market since
1988Built · BOOT RANCH - EAGLE RIDGE PH A

Reality check

What actually sold near 1874 STABLE TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1831 STABLE TRAILSold · Feb ’26

$619,000

1831 STABLE TRAIL · same community

5 bd · 3 ba · 2,528 sqft · $245/sqft · 84 DOM

1838 EAGLE RIDGE BOULEVARDSold · Mar ’26

$580,000

1838 EAGLE RIDGE BOULEVARD · same community

4 bd · 2 ba · 2,247 sqft · $258/sqft · 225 DOM

4858 AUGUSTA AVENUESold · Feb ’26

$500,000

4858 AUGUSTA AVENUE

4 bd · 3 ba · 2,492 sqft · $201/sqft · 49 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 1874 STABLE TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1874 STABLE TRAIL — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1874 STABLE TRAIL FAQs

What would the monthly payment be for 1874 STABLE TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,175/mo — principal and interest, the actual property-tax bill, the $75/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 1874 STABLE TRAIL?+

The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1874 STABLE TRAIL?+

The most recent tax bill on record (2025) was $6,107. 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 1874 STABLE TRAIL?+

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 $767,900, this home is listed about 98% above the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1874 STABLE TRAIL?+

Joseph L. Carwise Middle School (middle), Forest Lakes Elementary School (elementary), East Lake High School (high) — 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

$767,900 runs 87% above the PALM HARBOR 34685 median — but at 2,473 sqft it's also 65% 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

Joseph L. Carwise Middle School, Forest Lakes Elementary School, East Lake High School — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $865,000, now $767,900 — a $97K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8526199.

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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