3229 SPANISH MOSS LANE, PALM HARBOR, FL, 34684
Active3 days on marketListed Aug 7, 2026MLS #TB8527106
About this home
3229 SPANISH MOSS LANE
UPDATED & MOVE-IN READY GEM IN DESIRABLE SUNSHINE ESTATES! Welcome to this beautifully maintained 3-BEDROOM, 2-BATHROOM SINGLE-FAMILY HOME situated in one of Palm Harbor’s most sought-after neighborhoods with TOP-RATED SCHOOL ZONING (Highland Lakes Elementary, Carwise Middle, and Palm Harbor University High)! Offering 1,325 SQ FT OF LIGHT-FILLED LIVING SPACE, this home features a functional SPLIT-BEDROOM FLOOR PLAN designed for ultimate privacy, modern VINYL FLOORING THROUGHOUT, and NO HOA OR CDD FEES! WHAT'S NEW: A NEW KITCHEN featuring WHITE SHAKER CABINETS, GORGEOUS QUARTZ COUNTERTOPS, a LARGE ISLAND, and a spacious PANTRY, along with BOTH BATHROOMS COMPLETELY REMODELED during the 2018 home renovation! Enjoy complete peace of mind with a 2016 HVAC SYSTEM, 2016 WATER HEATER, 2020 stainless steel range/refrigerator/microwave, 2022 dishwasher, replacement windows throughout, and a WHOLE-HOME WATER FILTRATION SYSTEM. Step through the sliding glass doors to outdoor relaxation on your private patio overlooking a FULLY FENCED BACKYARD with plenty of room to play or entertain. Complete with an ATTACHED 2-CAR GARAGE, WASHER AND DRYER INCLUDED, and an X FLOOD ZONE designation (no mandatory flood insurance), this pristine home is located just minutes from DOWNTOWN PALM HARBOR, THE PINELLAS TRAIL, AND HONEYMOON ISLAND STATE PARK!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,325
Sqft
0.16 ac
Lot size
2
Garage
1978
Year built
One
Levels
$302
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.
$3,102 /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
$3,102/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
+2.3%
$/sqft vs Palm Harbor actives
$302 vs $261
Days on market
3 vs 49 typical
Where $302/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)
227 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 60% 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 3229 SPANISH MOSS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$352,000
3250 CAUSEWAY DRIVE · same community
2 bd · 2 ba · 1,341 sqft · $262/sqft · 214 DOM
Sold · Jul ’26$332,000
158 SUNSHINE DRIVE · same community
2 bd · 2 ba · 1,274 sqft · $261/sqft · 28 DOM
Sold · Jul ’26$372,500
3300 SAND KEY DRIVE · same community
2 bd · 2 ba · 1,390 sqft · $268/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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3229 SPANISH MOSS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3229 SPANISH MOSS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3229 SPANISH MOSS LANE FAQs
What would the monthly payment be for 3229 SPANISH MOSS LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,102/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 3229 SPANISH MOSS LANE?+
The most recent tax bill on record (2025) was $4,921. 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 $400,000, this home is listed about 5% above the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3229 SPANISH MOSS LANE?+
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
Three things that matter here
01Positioned at the premium end
$400,000 runs 60% above the PALM HARBOR 34684 median.
02Fresh on the market
Only 3 days on market in a Palm Harbor market that averages 49 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Katherine Congdon. MLS #TB8527106.
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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