3275 COBBS DRIVE, PALM HARBOR, FL, 34684
Active Under Contract19 days on marketListed Sep 30, 2026MLS #TB8549277
About this home
3275 COBBS DRIVE
Under contract-accepting backup offers. Welcome to 3275 Cobbs Dr, a spacious Palm Harbor residence offering an exceptional blend of generous living spaces, outdoor living, Lake Tarpon access, and energy-efficient features. Located in Estates at Cobbs Landing, this 4-bedroom, 2-bath home offers 2,756 heated square feet and sits on an expansive 0.34-acre lot measuring approximately 89 x 167 feet. The interior features an open floor plan with vaulted and high ceilings, skylights, solid wood cabinetry, stone and solid-surface countertops, walk-in closets, and a kitchen and family room combination designed for comfortable everyday living and entertaining. A separate formal dining room provides additional space for gatherings, while the family room features a stone wood-burning fireplace. The primary bedroom is conveniently located on the main floor. Outdoor living takes center stage with a private 25x10 heated pool featuring a child safety fence, pool lighting, and a solar-powered pool pump. The pool area is complemented by mature landscaping, fruit trees, and a screened rear porch for enjoying the Florida outdoors. Water access adds another dimension to the lifestyle, with access to the Bay/Harbor, a private boat ramp, fishing pier, and skiing allowed. Adding valuable energy efficiency, the property features a fully paid, owned SOLAR energy system, which can significantly reduce electricity costs depending on energy usage and solar production. The home also features reclaimed-water irrigation, irrigation systems, rain gutters, exterior lighting, sliding doors, underground utilities, and sits above the flood plain. Set on a paved dead-end street with a south-facing front exposure, 3275 Cobbs Dr offers substantial indoor and outdoor space, a private heated pool, water-access amenities. Enjoy Cobb's Landing Amenities: Lake Tarpon access, community boat/ramp/wet slips available for annual lease, park, playground, 2-tennis courts, basketball court.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,756
Sqft
0.34 ac
Lot size
2
Garage
1987
Year built
One
Levels
$287
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.
$5,706 /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
$5,706/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
+14%
$/sqft vs Palm Harbor actives
$287 vs $264
Days on market
19 vs 68 typical
Where $287/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 Cobb's Landing
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Cobb's Landing — neighborhood snapshot
Population
2,151
Median age
49
Median income
$120,639
Median home value
$547,537
Avg household
3
Households w/ children
220
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 216% 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 3275 COBBS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$732,000
3393 SHORELINE DRIVE · same community
4 bd · 3 ba · 2,734 sqft · $268/sqft · 0 DOM
Sold · Dec ’25$680,000
3287 COBBS DRIVE · same community
4 bd · 3 ba · 2,786 sqft · $244/sqft · 12 DOM
Sold · Nov ’25$600,000
3262 WESTCOTT COURT · same community
4 bd · 3 ba · 2,696 sqft · $223/sqft · 114 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3275 COBBS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3275 COBBS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3275 COBBS DRIVE FAQs
What would the monthly payment be for 3275 COBBS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,706/mo — principal and interest, the actual property-tax bill, the $45/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 3275 COBBS DRIVE?+
The association fee works out to $45 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3275 COBBS DRIVE?+
The most recent tax bill on record (2025) was $11,242. 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 3275 COBBS DRIVE?+
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 $790,875, this home is listed about 104% above the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3275 COBBS DRIVE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — 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
$790,875 runs 216% above the PALM HARBOR 34684 median — but at 2,756 sqft it's also nearly twice the size of 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
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $925,000, now $790,875 — a $134K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8549277.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 3275 COBBS DRIVE but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Emanuel to ping you on any price or status change →