CENTURY 21 Edge
$269,7002 bd2.5 ba1,633 sqft$165 /sqft$2,766 /mo all-in ↓

2599 DOLLY BAY DRIVE UNIT 306, PALM HARBOR, FL, 34684

Active5 days on marketListed Aug 6, 2026MLS #TB8535290

CondominiumDOLLY BAY VLG ON LAKE TARPON CONDO

About this home

2599 DOLLY BAY DRIVE UNIT 306

COME LIVE THE FLORIDA LAKE LIFESTYLE! Move-In Ready and thoughtfully remodeled, this furnished (optional) 2-bedroom, 2.5-bath, two-story condominium offers dual primary suites, soaring vaulted ceilings, direct access to beautiful 2,534-acre Lake Tarpon, boat slips available on a first-come, first-served basis, kayak storage, a New HVAC (2024), New Metal Roof (2024), New Electrical Panel, a Clean 4-Point Inspection (April 2026), and the added peace of mind of being located in Flood Zone X—all within Dolly Bay, one of Palm Harbor's most charming waterfront communities. With just 84 residences, Dolly Bay offers a warm, neighborly atmosphere surrounded by mature trees, tranquil ponds, scenic boardwalks, abundant Florida wildlife, and direct access to one of Pinellas County's premier freshwater lakes. Stretching nearly 9 miles with approximately 16 miles of shoreline, Lake Tarpon is renowned for exceptional bass fishing, boating, kayaking, paddleboarding, and spectacular sunsets. This spacious 1,633-square-foot residence is filled with natural light and features soaring vaulted ceilings, an open floor plan, inside laundry, abundant storage, a usable attic, and a versatile nook beneath the staircase that's perfect for a home office, reading area, decorative display, or pet retreat. The beautifully remodeled kitchen showcases real wood soft-close cabinetry, granite countertops, stainless steel appliances, a Breakfast Bar, Coffee Station, and abundant cabinetry. Matching granite continues throughout the bathrooms, while elegant wainscoting and a convenient Wet Bar make entertaining effortless. The home is being offered furnished for the seller's convenience, with the option to remove furnishings if preferred by the buyer, making it ideal as a primary residence, seasonal retreat, or investment opportunity. Upstairs, both bedrooms are spacious private suites with their own ensuite bathrooms, offering exceptional privacy for owners and guests. Relax on your screened balcony overlooking the peaceful pond and scenic boardwalk while enjoying the sights and sounds of owls, songbirds, squirrels, and Florida's natural beauty. Community amenities include a heated lakefront pool, clubhouse, tennis courts, waterfront boardwalk, fishing dock, fish cleaning station, community fire pit, picnic area with BBQ grills, and private access to Lake Tarpon. Boat slips are available on a first-come, first-served basis (currently $1,000/year), and kayak storage is available for just $100/year. The home includes one assigned parking space plus ample guest parking and is conveniently located near John Chesnut Sr. Park, the Pinellas Trail, Gulf beaches, shopping, dining, golf courses, top-rated healthcare, St. Pete/Clearwater and Tampa International Airports. Whether your perfect day includes boating across Lake Tarpon to the Tarpon Turtle Waterfront Grill for lunch or dinner, casting a fishing line at sunrise, paddling peaceful waters by kayak, or relaxing around the community fire pit with neighbors, Dolly Bay offers the Florida waterfront lifestyle you've been searching for. It's more than a home... it's the Florida lifestyle. Welcome to Dolly Bay.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,633

Sqft

0 ac

Lot size

1984

Year built

Two

Levels

$165

Per sqft

Trees/Woods & Water viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Vaulted Ceiling(s) · Wet Bar · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesSouthwest
ParkingAssigned · None
ExteriorFire Pit · Lighting · Outdoor Grill · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

HOA fee$659/mo
Taxes (2025)$2,880/yr
PetsYes
CommunityBoat Slip · Dock · Water Access · Buyer Approval Required · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Sewer Connected · Street Lights · 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.

$2,766 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,588
FHA mortgage insurance (est.)$119
Property tax — 2025 actual bill$240
Condo fee — from the listing$659
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,440Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,440
Interest rate6.00%
Loan term

Estimated payment

$2,766/mo

Principal & interest$1,588
FHA mortgage insurance (est.)$119
Property taxes (actual bill)$240
HOA / condo fee$659
Est. insurance$160

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.

List $270K
$259KedgeAI estimate $515,795 · range $388K$567K$590K

vs edgeAI estimate

−47.7%

$/sqft vs Palm Harbor actives

$165 vs $261

Days on market

5 vs 50 typical

Where $165/sqft sits among the 400 Palm Harbor actives

68 · this home
83
99
75
43
32
$151–196$196–240$240–285$285–330$330–374$374+

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 Dolly Bay

Map of 2599 DOLLY BAY DRIVE UNIT 306 inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)34 min
Downtown Tampa37 min

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

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

Dolly Bay — neighborhood snapshot

Population

421

Median age

60

Median income

$86,154

Median home value

$438,200

Avg household

2

Households w/ children

36%

For the school run

Pinellas County School District

ElementaryHighland Lakes Elementary School★★★★★
HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★

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

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller3.7 months of inventoryBuyer’s market

$420K$445K

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 8% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

Aug 6, 2026Listed at $269,700 · 5 days on market since
1984Built · DOLLY BAY VLG ON LAKE TARPON CONDO

Reality check

What actually sold near 2599 DOLLY BAY DRIVE UNIT 306

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

2661 KNOLL STREET ESold · Mar ’26

$429,900

2661 KNOLL STREET E

3 bd · 2 ba · 1,694 sqft · $254/sqft · 127 DOM

2972 ROBINWOOD LANESold · Jul ’26

$445,000

2972 ROBINWOOD LANE

3 bd · 2 ba · 1,701 sqft · $262/sqft · 1 DOM

2490 GROVE RIDGE DRIVESold · Dec ’25

$275,000

2490 GROVE RIDGE DRIVE

3 bd · 2 ba · 1,711 sqft · $161/sqft · 0 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.

Alek Cherrone

Your agent

Alek Cherrone

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2599 DOLLY BAY DRIVE UNIT 306 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2599 DOLLY BAY DRIVE UNIT 306 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2599 DOLLY BAY DRIVE UNIT 306 FAQs

What would the monthly payment be for 2599 DOLLY BAY DRIVE UNIT 306?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,766/mo — principal and interest, the actual property-tax bill, the $659/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 2599 DOLLY BAY DRIVE UNIT 306?+

The association fee works out to $659 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2599 DOLLY BAY DRIVE UNIT 306?+

The most recent tax bill on record (2025) was $2,880. 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 2599 DOLLY BAY DRIVE UNIT 306?+

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 $269,700, this home is listed about 29% 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 2599 DOLLY BAY DRIVE UNIT 306?+

Highland Lakes 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

01Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

02Know the monthly fee

The association fee is $659/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03Fresh on the market

Only 5 days on market in a Palm Harbor market that averages 50 — if it fits, move quickly.

Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michelle Rinello. MLS #TB8535290.

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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