4840 HUMMINGBIRD TRAIL, PALM HARBOR, FL, 34683
Active10 days on marketListed Oct 8, 2026MLS #TB8551063
About this home
4840 HUMMINGBIRD TRAIL
Waterfront living with Gulf access from your own backyard! Situated on a deep canal in Palm Harbor, this updated, elevated 3 bedroom, 4 bath home offers 1,728 square feet of living space, plus an 864-square-foot garage, accessed through two single-car garage doors. The garage has a full bath as well. Step outside to a dock with a 10,000-pound boat lift, a waterside tiki bar, and a swimming pool. Open Gulf waters are approximately 10 minutes away by boat. A bridge is located along the route; clearance varies by vessel height and tide, and buyers should verify suitability for their boat. Offered at $675,000.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
1,728
Sqft
0.22 ac
Lot size
2
Garage
1981
Year built
Three Or More
Levels
$391
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 — not generic estimates.
$4,397 /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
$4,397/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
+32.4%
$/sqft vs Palm Harbor actives
$391 vs $264
Days on market
10 vs 68 typical
Where $391/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 Blue Jay Woodlands
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Blue Jay Woodlands — neighborhood snapshot
Population
373
Median age
50
Median income
$78,162
Median home value
$451,100
Avg household
2
Households w/ children
18%
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)
234 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 71% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 4840 HUMMINGBIRD TRAIL
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$654,000
4824 HUMMINGBIRD TRAIL · same community
3 bd · 2 ba · 2,166 sqft · $302/sqft · 0 DOM
Sold · Nov ’25$572,000
36750 US HIGHWAY 19 N UNIT 04214
2 bd · 2 ba · 1,660 sqft · $345/sqft · 27 DOM
Sold · Feb ’26$525,900
36750 US HIGHWAY 19 N UNIT 05213
2 bd · 2 ba · 1,660 sqft · $317/sqft · 462 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4840 HUMMINGBIRD TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4840 HUMMINGBIRD TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4840 HUMMINGBIRD TRAIL FAQs
What would the monthly payment be for 4840 HUMMINGBIRD TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,397/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4840 HUMMINGBIRD TRAIL?+
The most recent tax bill on record (2025) was $4,102. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $675,000, this home is listed about 74% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4840 HUMMINGBIRD TRAIL?+
Sunset Hills 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.
The brief
Three things that matter here
01Positioned at the premium end
$675,000 runs 71% above the PALM HARBOR 34683 median — but at 1,728 sqft it's also 15% larger than the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Sunset Hills Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · John Rurkowski. MLS #TB8551063.
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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