
3600 MAGNOLIA RIDGE CIRCLE UNIT 1221, PALM HARBOR, FL, 34684
Active33 days on marketListed Sep 15, 2026MLS #TB8548533
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
Outside & construction
Community & fees
Utilities & systems
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%
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
$174/mo
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
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
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
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)
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
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.
Sold · Jul ’26$165,000
3581 MAGNOLIA RIDGE CIRCLE Unit C · same community
2 bd · 2 ba · 1,090 sqft · $151/sqft · 4 DOM
Sold · Jun ’26$163,000
3500 MAGNOLIA RIDGE CIRCLE UNIT 405 · same community
2 bd · 2 ba · 854 sqft · $191/sqft · 191 DOM
Sold · 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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3600 MAGNOLIA RIDGE CIRCLE UNIT 1221 — start here.

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.
Keep looking
Similar homes nearby
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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