
2194 PINNACLE CIRCLE N, PALM HARBOR, FL, 34684
Active3 days on marketListed Oct 9, 2026MLS #TB8552028
Come see it
Upcoming open house
Sat, Oct 17
1:00 PM – 4:00 PM
All persons entering must wear shoe coverings which will be provided.
About this home
2194 PINNACLE CIRCLE N
An unexpected relocation brings this turnkey home, custom-built by executive home builder Mark Maconi, to market in the highly desired Cobb’s Landing – Pinnacle neighborhood. Purchased with plans to be their long-term home, the current homeowners took great care in renovating and updating the property from the inside out. The result is a beautifully cared-for home ready for its next owners to simply move in and enjoy. The kitchen has been thoughtfully reconfigured with a new layout designed for functional everyday living. Every element of the renovation is new, including the premium quartz countertops, deep single-bowl stainless steel sink, touchless faucet, Whirlpool Gold appliances, reverse osmosis system at the sink and refrigerator, professionally refinished cabinet and drawer fronts, soft-close doors and drawers, custom drawer inserts, 3/4 HP disposal, backsplash, and fresh paint. Designed for both everyday meals and gatherings with family and friends. The split floor plan provides privacy between the primary suite and additional bedrooms, while 12-foot cathedral ceilings create a bright, open feel throughout the home. As part of the recent renovations, attention was given to details including professionally painted interiors, six-panel doors, brushed nickel knobs and hinges, closet doors, high-performance LVP flooring in the formal areas and primary bedroom, plantation blinds, upgraded light fixtures and ceiling fans, marble vanity tops, brushed nickel faucets and shower heads, Levelor light-filtering fabric blinds on three patio doors, custom curtains in the primary bedroom, and floating shelves in the laundry room. The HVAC system has recently received a deep cleaning of the interior and exterior coils, along with newer ductwork. The home also features Pella hurricane windows for added protection. Outside, the home sits on a .28-acre lot with a field separating it from the rear neighbors and frequent deer sightings. The large pool and freshly cleaned paver patio, with newer screens, provide a comfortable space for relaxing or entertaining. Landscaping has been cleaned up and refreshed with new mulch and tropical plants. Additional improvements include facade lighting, a freshly painted front door with designer new knobs and deadbolts, new weather stripping, and a cement tile roof soft wash with a three-year cleaning warranty. Cobb’s Landing offers a park, walking trails, tennis courts, and a waterfront gazebo, along with boat slips available for rent and access to Lake Tarpon. The community is conveniently located near restaurants, shopping, and popular beaches including Honeymoon Island, Howard Park, and Sunset Beach. Curtains in Living Room do not convey. All specifications and measurements are approximate to be verified by Buyer(s).
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,619
Sqft
0.28 ac
Lot size
1988
Year built
One
Levels
$325
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.
$5,984 /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
$5,984/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
+24.3%
$/sqft vs Palm Harbor actives
$325 vs $260
Days on market
3 vs 69 typical
Where $325/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)
242 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 240% 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 2194 PINNACLE CIRCLE N
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$730,000
2194 PINNACLE CIRCLE N · same community
3 bd · 2 ba · 2,619 sqft · $279/sqft · 88 DOM
Sold · May ’26$960,000
2111 PINNACLE CIRCLE N · same community
4 bd · 3 ba · 2,629 sqft · $365/sqft · 52 DOM
Sold · Mar ’26$920,000
2264 PINNACLE CIRCLE N · same community
4 bd · 3 ba · 2,863 sqft · $321/sqft · 33 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2194 PINNACLE CIRCLE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2194 PINNACLE CIRCLE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2194 PINNACLE CIRCLE N FAQs
What would the monthly payment be for 2194 PINNACLE CIRCLE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,984/mo — principal and interest, the actual property-tax bill, the $23/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 2194 PINNACLE CIRCLE N?+
The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2194 PINNACLE CIRCLE N?+
The most recent tax bill on record (2025) was $10,749. 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 2194 PINNACLE CIRCLE N?+
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 $850,000, this home is listed about 125% 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 2194 PINNACLE CIRCLE N?+
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
$850,000 runs 240% above the PALM HARBOR 34684 median — but at 2,619 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.
03Fresh on the market
Only 3 days on market in a Palm Harbor market that averages 69 — if it fits, move quickly.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · James M Hoffman. MLS #TB8552028.
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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