
3600 DARSTON STREET, PALM HARBOR, FL, 34685
Active1 days on marketListed Aug 17, 2026MLS #TB8539475
About this home
3600 DARSTON STREET
Virtually Staged. Set at the end of a quiet cul-de-sac and backing to a peaceful conservation preserve, 3600 Darston Street enjoys a setting that is difficult to duplicate. With no rear neighbors, a tranquil pond and preserve backdrop, and a private screened pool and lanai, the home offers an exceptional sense of privacy and a natural setting for both everyday living and outdoor entertaining. Located in Chattam Landing within the Ridgemoor community, this three-bedroom, two-bath home also provides dedicated office/flex space and a thoughtfully arranged split floor plan. The main living and dining areas are open and inviting, with vaulted ceilings and abundant natural light creating an airy feel throughout the central living space. The updated kitchen connects easily with these gathering areas, while the primary suite includes an additional office area that provides useful flexibility for a home workspace, reading area, exercise space, or other needs. Outdoor living is a defining feature of the property. The screened lanai and pool overlook the pond and adjoining preserve, creating a quiet, private backdrop with expansive views from the rear of the home. Whether relaxing poolside or enjoying the lanai, the setting makes the natural surroundings an integral part of the home's appeal. Chattam Landing is part of the Ridgemoor master community, which offers a park, playground, pickleball and tennis courts, along with an extensive network of paved, well-lit sidewalks. This home is in a “maintenance-free” community which covers many exterior maintenance items, such as lawn mowing, irrigation, trash removal and exterior home painting. The surrounding area also provides access to the YMCA, Lansbrook Golf Club, John Chesnut Park, the Pinellas Trail, shopping, recreation, beaches, airports, hospitals, and the broader Tampa and St. Petersburg areas.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,634
Sqft
0.2 ac
Lot size
2
Garage
1989
Year built
One
Levels
$321
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.
$3,953 /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
$3,953/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
+1.4%
$/sqft vs Palm Harbor actives
$321 vs $261
Days on market
1 vs 52 typical
Where $321/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 Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
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)
230 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 46% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3600 DARSTON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$580,000
3654 DARSTON STREET · same community
3 bd · 2 ba · 1,634 sqft · $355/sqft · 13 DOM
Sold · Aug ’26$560,000
5450 GREYSTON STREET · same community
3 bd · 2 ba · 1,572 sqft · $356/sqft · 22 DOM
Sold · Oct ’25$440,000
3724 DARSTON STREET · same community
3 bd · 2 ba · 1,722 sqft · $256/sqft · 7 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3600 DARSTON STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3600 DARSTON STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3600 DARSTON STREET FAQs
What would the monthly payment be for 3600 DARSTON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,953/mo — principal and interest, the actual property-tax bill, the $208/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 3600 DARSTON STREET?+
The association fee works out to $208 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3600 DARSTON STREET?+
The most recent tax bill on record (2025) was $3,148. 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 3600 DARSTON STREET?+
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 $525,000, this home is listed about 40% above the Palm Harbor median of $375,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3600 DARSTON STREET?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — 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
$525,000 runs 46% above the PALM HARBOR 34685 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 52 — if it fits, move quickly.
04Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Joanne Golden. MLS #TB8539475.
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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