3992 ORCHARD HILL CIRCLE, PALM HARBOR, FL, 34684
Active17 days on marketListed Sep 25, 2026MLS #TB8547666
About this home
3992 ORCHARD HILL CIRCLE
Move-in ready in Palm Harbor’s Lake St. George community! This spacious two-story, 3-bedroom, 2.5-bath home offers 2,018 sq. ft. of comfortable living space, a private screened-in pool, and a peaceful conservation backdrop with no immediate rear neighbor. The pool features a safety fence and full screened enclosure, creating an inviting space for relaxing, entertaining, and enjoying Florida living year-round. Inside, you'll find a functional floor plan with a full laundry room and a spacious kitchen offering abundant cabinet space and a built-in calendar/organization area. Major updates include an A/C replaced approximately 2 years ago, water heater approximately 4 years ago, and updated windows and doors approximately 5 years ago, valuable improvements for today's buyer. Location is a standout! Enjoy convenient access to Downtown Palm Harbor, local parks, shopping, dining, and some of Pinellas County's most popular Gulf Coast destinations, including Honeymoon Island and Caladesi Island. If you've been searching for a move-in-ready 3-bedroom pool home in Palm Harbor with over 2,000 sq. ft., updated major systems, and a conservation view, see why this home checks the boxes.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,018
Sqft
0.19 ac
Lot size
2
Garage
1979
Year built
Two
Levels
$286
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.
$4,181 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,181/mo
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.
vs edgeAI estimate
+4.1%
$/sqft vs Palm Harbor actives
$286 vs $263
Days on market
17 vs 69 typical
Where $286/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 Lake St. George
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake St. George — neighborhood snapshot
Population
1,834
Median age
41
Median income
$88,602
Median home value
$343,033
Avg household
3
Households w/ children
251
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)
241 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 131% 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 3992 ORCHARD HILL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$550,000
3948 ORCHARD HILL CIRCLE · same community
3 bd · 2.5 ba · 2,026 sqft · $271/sqft · 93 DOM
Sold · Jan ’26$459,000
3928 ORCHARD HILL CIRCLE · same community
3 bd · 2 ba · 1,630 sqft · $282/sqft · 9 DOM
Sold · Jun ’26$470,000
2667 WARMSPRINGS WAY · same community
3 bd · 2 ba · 1,569 sqft · $300/sqft · 33 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3992 ORCHARD HILL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3992 ORCHARD HILL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3992 ORCHARD HILL CIRCLE FAQs
What would the monthly payment be for 3992 ORCHARD HILL CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,181/mo — principal and interest, the actual property-tax bill, the $36/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 3992 ORCHARD HILL CIRCLE?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3992 ORCHARD HILL CIRCLE?+
The most recent tax bill on record (2025) was $7,797. 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 3992 ORCHARD HILL CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $578,000, this home is listed about 53% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3992 ORCHARD HILL CIRCLE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Countryside High School (high) — 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
$578,000 runs 131% above the PALM HARBOR 34684 median — but at 2,018 sqft it's also 37% 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
Lake St. George Elementary School, Palm Harbor Middle School, Countryside High School — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jasmin Gonzalez. MLS #TB8547666.
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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