
3016 BONAVENTURE CIRCLE UNIT 104, PALM HARBOR, FL, 34684
Active8 days on marketListed Sep 12, 2026MLS #TB8548033
About this home
3016 BONAVENTURE CIRCLE UNIT 104
Tucked against a quiet stretch of conservation in the heart of Palm Harbor, this ground floor end unit at Bonaventure feels less like a condo and more like a private retreat. Out back, the trees do the decorating. No parking lot, no neighbors passing your windows, just green as far as you can see and the kind of stillness that makes a morning coffee last a little longer. Step through the screened front porch, a true extra room where the breeze does the work, and into a home that has been thoughtfully renewed from the inside out. Hurricane impact windows were installed in 2021 and 2022, so the light comes in and the storms stay out. The kitchen has been completely remodeled with all new appliances and a breakfast bar with room for four stools, and there is still space for a proper dining table, so the room works just as well for a quick weekday breakfast as it does for a holiday crowd. The primary bath is brand new, and the guest bath has a freshly reglazed tub and new fixtures. Behind the walls, all new plumbing. Overhead, new ceiling fans. The HVAC was replaced in 2024. This is a home where the work has already been done, so all that's left is to live in it. With windows on two sides, natural light drifts through every room, and on cooler evenings the wood burning fireplace turns the living room into the coziest spot in Palm Harbor. The laundry room sits just off the private porch, washer and dryer included, and there is thoughtful storage everywhere you look, inside and out. And here is the peace of mind that matters most on the Gulf coast: Flood Zone X. No flood insurance required, and a first floor you can actually enjoy without a second thought. Bonaventure offers a community pool, spa, clubhouse and fitness room, and the location is hard to beat: top rated schools, shopping, parks and restaurants minutes away, Honeymoon Island and downtown Dunedin a short drive, and the Gulf beaches that keep topping the best-in-Florida lists just five miles from your door. Move-in ready and waiting for its next chapter. Come see it for yourself.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
900
Sqft
1987
Year built
One
Levels
$239
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.
$2,058 /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
$2,058/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
+23.5%
$/sqft vs Palm Harbor actives
$239 vs $255
Days on market
8 vs 52 typical
Where $239/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 Bonaventure
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Bonaventure — neighborhood snapshot
Population
1,292
Median age
41
Median income
$51,250
Median home value
$227,400
Avg household
2
Households w/ children
168
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)
233 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 10% 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 3016 BONAVENTURE CIRCLE UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$209,000
2969 BONAVENTURE CIRCLE UNIT 104 · same community
2 bd · 2 ba · 900 sqft · $232/sqft · 72 DOM
Sold · Jan ’26$200,000
3020 BONAVENTURE CIRCLE UNIT 204 · same community
2 bd · 2 ba · 900 sqft · $222/sqft · 119 DOM
Sold · Nov ’25$150,000
36 FOX TRAIL COURT UNIT 71
2 bd · 2 ba · 864 sqft · $174/sqft · 310 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 3016 BONAVENTURE CIRCLE UNIT 104 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3016 BONAVENTURE CIRCLE UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3016 BONAVENTURE CIRCLE UNIT 104 FAQs
What would the monthly payment be for 3016 BONAVENTURE CIRCLE UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,058/mo — principal and interest, the actual property-tax bill, the $446/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 3016 BONAVENTURE CIRCLE UNIT 104?+
The association fee works out to $446 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3016 BONAVENTURE CIRCLE UNIT 104?+
The most recent tax bill on record (2025) was $1,099. 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 3016 BONAVENTURE CIRCLE UNIT 104?+
The listing reports pets: Cats OK, Dogs OK, 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 $214,900, this home is listed about 43% below the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3016 BONAVENTURE CIRCLE UNIT 104?+
Curlew Creek 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
01Under the PALM HARBOR 34684 market on paper
$214,900 is 10% below the PALM HARBOR 34684 median of $239,999, and at $239/sqft it sits under the Palm Harbor average of $270.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Curlew Creek Elementary School, Palm Harbor Middle School, Countryside High School — Curlew Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PINEYWOODS REALTY LLC · Brian Frey. MLS #TB8548033.
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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