CENTURY 21 Edge
$1,9002 bd2 ba1,090 sqft$2 /sqft≈$174 /mo all-in ↓

3600 MAGNOLIA RIDGE CIRCLE UNIT 1221, PALM HARBOR, FL, 34684

Active33 days on marketListed Sep 15, 2026MLS #TB8548533

✦ Priced 99% below the PALM HARBOR 34684 medianCondominiumMAGNOLIA RIDGE CONDO

About this home

3600 MAGNOLIA RIDGE CIRCLE UNIT 1221

Enjoy easy, maintenance-free living in this beautifully remodeled second-story corner unit in Magnolia Ridge, a picturesque oak-lined community ideally located in Palm Harbor. This move-in-ready 2-bedroom, 2-bathroom condo offers a thoughtfully designed split-bedroom floor plan, spacious living areas, a screened patio, and modern finishes throughout. BEST OF ALL, THE MONTHLY RENT INCLUDES INTERNET, CABLE, WATER, SEWER AND TRASH, with the owner taking care of the HOA fees—giving you fewer monthly bills to manage and making everyday living that much easier. Step inside to a bright and airy open-concept interior featuring fresh paint, luxury vinyl plank flooring, dimmable LED lighting, and recessed lighting throughout. Just off the entry, the generously sized guest bedroom provides flexibility for guests, a home office, or hobby space. Nearby, the fully remodeled guest bathroom features a modern vanity and durable porcelain tile flooring, while a separate laundry room provides additional storage and everyday convenience. At the heart of the home is the beautifully remodeled kitchen featuring tall shaker-style cabinetry with soft-close doors and drawers, granite countertops, stainless steel appliances, a Lazy Susan, two pull-out spice racks, and abundant storage. A cozy adjoining nook provides the perfect space for a breakfast table or coffee station. The spacious living and dining areas offer plenty of room to relax or entertain, while oversized sliding glass doors fill the space with natural light and open to a large screened-in patio with low-maintenance artificial turf. An oversized private storage closet off the patio provides convenient space for bikes, beach gear, and seasonal items. Privately positioned off the main living area, the spacious primary suite easily accommodates a king-sized bed with additional room for a sitting area or desk. The suite also features a walk-in closet and an updated private bathroom with stylish finishes and porcelain tile flooring. Additional improvements include a new water heater (2024) and an upgraded electrical panel with a whole-home surge protector (2022). Outside your door, Magnolia Ridge adds even more to the rental experience. The owner-paid HOA provides INTERNET • CABLE • WATER • SEWER • TRASH, along with community amenities and services including the COMMUNITY POOL, EXTERIOR MAINTENANCE, ROOF MAINTENANCE, LAWN/GROUNDS CARE, POOL MAINTENANCE and EXTERIOR PAINTING—allowing you to enjoy the benefits of low-maintenance condo living without taking on the HOA expense. Outdoor enthusiasts will appreciate convenient access to the Pinellas Trail for biking, walking, and weekend adventures, while the community pool is just steps away when you're ready to relax and cool off. Ideally situated near Oldsmar, Countryside, Palm Harbor, Dunedin, St. Petersburg, Tampa, shopping, dining, recreation and Gulf beaches, this condo delivers the perfect combination of location, convenience and low-maintenance living. (Washer/Dryer is included as an added convenience but it is NOT warranted by the landlord for repair or replacement.)

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,090

Sqft

2.31 ac

Lot size

1982

Year built

One

Levels

$2

Per sqft

Inside

FlooringLuxury Vinyl · Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

FacesSouth
ExteriorBalcony · Sidewalk · Sliding Doors · Storage

Community & fees

PetsNo
CommunityPool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$174 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $67Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida 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% · $67
Interest rate6.00%
Loan term

Estimated payment

$174/mo

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs Palm Harbor actives

$2 vs $265

Days on market

33 vs 68 typical

Where $2/sqft sits among the 400 Palm Harbor actives

1 · this home
13
77
135
124
50
$2–71$71–139$139–208$208–277$277–346$346+

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 Palm Harbor

Drive times from this address

Tampa Int’l Airport (TPA)≈ 31 min
Downtown Tampa≈ 34 min

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

Get to know Palm Harbor. See the full Palm Harbor 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

ElementarySutherland 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 seller — 3.8 months of inventoryBuyer’s market

$420K → $440K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

232 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 99% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

Sep 15, 2026Listed at $1,900 · 33 days on market since
1982Built · MAGNOLIA RIDGE CONDO

Reality check

What actually sold near 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221

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

3581 MAGNOLIA RIDGE CIRCLE Unit CSold · Jul ’26

$165,000

3581 MAGNOLIA RIDGE CIRCLE Unit C · same community

2 bd · 2 ba · 1,090 sqft · $151/sqft · 4 DOM

3500 MAGNOLIA RIDGE CIRCLE UNIT 405Sold · Jun ’26

$163,000

3500 MAGNOLIA RIDGE CIRCLE UNIT 405 · same community

2 bd · 2 ba · 854 sqft · $191/sqft · 191 DOM

3600 MAGNOLIA RIDGE CIRCLE UNIT 1223Sold · Jan ’26

$140,000

3600 MAGNOLIA RIDGE CIRCLE UNIT 1223 · same community

1 bd · 1.5 ba · 825 sqft · $170/sqft · 34 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221 — 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 MAGNOLIA RIDGE CIRCLE UNIT 1221 FAQs

What would the monthly payment be for 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221?+

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 $1,900, this home is listed about 100% below the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221?+

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.

Listing courtesy of CARTWRIGHT REALTY · Tiia Cartwright. MLS #TB8548533.

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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