2805 NORTHCOTE DRIVE, PALM HARBOR, FL, 34684
Active10 days on marketListed Oct 2, 2026MLS #TB8551853
About this home
2805 NORTHCOTE DRIVE
Virtually Staged. You haven't seen a Lake St. George home updated like this one!! Truly MOVE IN READY and with contemporary style, this renovated Palm Harbor residence pairs high-end designer finishes with exceptional modern comfort. Seller to offer $2,500 buyer credit with reasonable offer and Mortgage savings may be available for buyers of this listing - ask the Agent. Step inside to discover brand-new Coretec Balanced Oak wide-plank flooring seamless throughout, leading into light-filled living areas framed by vaulted ceilings. The fully equipped kitchen features crisp white shaker cabinetry, granite countertops and a newer dishwasher. Both bathrooms have been completely transformed into luxury spa retreats, featuring brand-new vanities, custom marble shower niches, exquisite Spanish and Italian tiles, a deep Kohler soaking tub and smart bidet toilet in the second bath, and a fabulous oversized shower in the Primary bath. In addition to the three bedrooms, newer mini-split systems installed in both the lanai and garage create versatile, climate-controlled environments perfect for a home gym, workshop, or expanded entertaining space. The outdoor and multi-purpose areas are equally impressive, showcasing fresh side paver and stone landscaping along with a newer custom vinyl fence enclosing the private backyard with ample room for kids, pets and whatever oasis you want to create! For peace of mind, the home comes fully equipped with a suite of high-value practical upgrades. These essential features include a brand-new water heater, a newly installed washer and dryer package, brand-new insulation and ceiling work in the primary bedroom, a fully serviced HVAC system, and solar panels to maximize energy efficiency. Nestled in the heart of the sought-after Lake St. George community that feeds into TOP RATED Palm Harbor schools, Residents enjoy the community pool and the just-completed multi-sport court complex with pickleball and more. Minutes to Honeymoon Island, downtown Dunedin, Tampa Road shopping and excellent restaurants like Mystic Fish, Positano's and The Green Table. This home truly offers it all, make your appointment today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,035
Sqft
0.14 ac
Lot size
1
Garage
1983
Year built
One
Levels
$415
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.
$3,335 /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
$3,335/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
+30.8%
$/sqft vs Palm Harbor actives
$415 vs $260
Days on market
10 vs 69 typical
Where $415/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 Lake St. George
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake St. George — neighborhood snapshot
Population
1,834
Median age
41
Median income
$88,602
Median home value
$343,033
Avg household
3
Households w/ children
251
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)
240 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 72% 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 2805 NORTHCOTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$350,000
29741 66TH WAY N
2 bd · 2 ba · 962 sqft · $364/sqft · 81 DOM
Sold · Dec ’25$380,000
29897 69TH STREET N
2 bd · 2 ba · 956 sqft · $397/sqft · 40 DOM
Sold · Aug ’26$440,000
29752 69TH WAY N
2 bd · 2 ba · 1,142 sqft · $385/sqft · 73 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2805 NORTHCOTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2805 NORTHCOTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2805 NORTHCOTE DRIVE FAQs
What would the monthly payment be for 2805 NORTHCOTE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,335/mo — principal and interest, the actual property-tax bill, the $39/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 2805 NORTHCOTE DRIVE?+
The association fee works out to $39 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2805 NORTHCOTE DRIVE?+
The most recent tax bill on record (2025) was $4,969. 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 2805 NORTHCOTE 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 $430,000, this home is listed about 14% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 2805 NORTHCOTE DRIVE?+
Lake St. George 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.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Katrina Jauregui. MLS #TB8551853.
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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