1139 ORANGE TREE CIRCLE E UNIT A, PALM HARBOR, FL, 34684
Active41 days on marketListed Sep 8, 2026MLS #TB8537188
About this home
1139 ORANGE TREE CIRCLE E UNIT A
Welcome to this charming two-bedroom, two-bathroom villa! Spanning 960 square feet, this thoughtfully designed home maximizes comfort and functionality. Step into an open living space featuring elegant porcelain tile plank flooring throughout the main living area, providing a seamless flow and easy maintenance. The spacious, light-filled living room connects to an eat-in kitchen that has been updated with ample cabinetry and space for a cozy breakfast nook. A standout feature of this home is the private, screened-in lanai—a perfect retreat for enjoying morning coffee or relaxing in the evenings. This peaceful outdoor space is accessible from multiple points in the home, including the garage, living room, and kitchen, creating an ideal extension of your living area. Additionally, the home offers an updated electric panel and a convenient walk-up attic with access from the garage, adding valuable storage space. Located in the sought-after Orange Tree Villas, a friendly 55+ community in Palm Harbor, residents here enjoy a peaceful setting with well-maintained landscaping. Community amenities include a refreshing pool and a welcoming recreation building for socializing and relaxation. Plus, the association takes care of exterior maintenance including the structure, roof and landscaping, allowing you to enjoy a maintenance-free lifestyle. As an added bonus this home is in a NON-FLOOD Zone. With easy access to local beaches, shopping, dining, and more, this home offers the perfect blend of convenience, comfort, and community. Don’t miss the chance to make this delightful villa in Orange Tree Villas your new home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0 ac
Lot size
1
Garage
1982
Year built
One
Levels
$210
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.
$1,531 /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
$1,531/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
−5%
$/sqft vs Palm Harbor actives
$210 vs $268
Days on market
41 vs 68 typical
Where $210/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.
The investor lens
Two ways this home pays
This home sits inside Orange Tree, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,000/mo median
Live Palm Harbor rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Orange Tree
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Orange Tree is a short-term-rental community. See the full 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 → $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 19% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 1139 ORANGE TREE CIRCLE E UNIT A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$178,000
1160 ORANGE TREE CIRCLE W UNIT D · same community
2 bd · 2 ba · 960 sqft · $185/sqft · 63 DOM
Sold · Apr ’26$175,000
1130 ORANGE TREE CIRCLE W UNIT C · same community
2 bd · 2 ba · 960 sqft · $182/sqft · 9 DOM
Sold · Jun ’26$155,000
1163 ORANGE TREE CIRCLE W UNIT D · same community
2 bd · 2 ba · 960 sqft · $161/sqft · 298 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1139 ORANGE TREE CIRCLE E UNIT A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1139 ORANGE TREE CIRCLE E UNIT A — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1139 ORANGE TREE CIRCLE E UNIT A FAQs
What would the monthly payment be for 1139 ORANGE TREE CIRCLE E UNIT A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,531/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 1139 ORANGE TREE CIRCLE E UNIT A?+
The most recent tax bill on record (2024) was $1,108. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1139 ORANGE TREE CIRCLE E UNIT A be rented short-term?+
Yes — this home sits inside Orange Tree, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1139 ORANGE TREE CIRCLE E UNIT A?+
The listing reports pets: No. 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 $202,000, this home is listed about 48% below the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1139 ORANGE TREE CIRCLE E UNIT A?+
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
01Under the PALM HARBOR 34684 market on paper
$202,000 is 19% below the PALM HARBOR 34684 median of $249,950, and at $210/sqft it sits under the Palm Harbor average of $272.
02Zoned for nightly rentals
Orange Tree is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
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 RE/MAX CHAMPIONS · Rachel Mayhew. MLS #TB8537188.
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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