3540 COUNTRYBROOK LANE UNIT 16, PALM HARBOR, FL, 34684
Active17 days on marketListed Oct 1, 2026MLS #TB8553464
About this home
3540 COUNTRYBROOK LANE UNIT 16
EXTENSIVELY UPDATED FIRST-FLOOR CORNER VILLA IN PALM HARBOR! Welcome to Countrybrook, a peaceful, park-like condominium community nestled in the highly desirable Countryside area. Surrounded by mature trees, lush landscaping, and beautiful conservation views, this spacious 2-bedroom, 2-bath corner villa offers the low-maintenance Florida lifestyle seasonal and year-round residents are searching for. Beautifully updated and maintained in mint condition, this move-in-ready Palm Harbor condo features a fully remodeled kitchen and bathrooms completed in 2020, updated cabinetry and countertops, fresh interior paint, a 2024 HVAC system, and a beautifully finished fireplace hearth. A custom wet bar with granite countertops and coordinating cabinetry creates an inviting space for entertaining family and friends. The desirable first-floor corner location offers easy access, additional privacy, and an abundance of natural light. The spacious floor plan, in-unit laundry, and thoughtfully updated living areas make this floor plan comfortable, functional, and ready to enjoy from day one. Countrybrook residents enjoy a sparkling community swimming pool, covered or assigned parking, beautifully maintained grounds and a quiet setting with scenic wooded and conservation views. The community’s established landscaping, generously sized residences, and tranquil atmosphere set it apart from many other Palm Harbor condominiums. Conveniently located near shopping, restaurants, medical facilities, parks, golf courses and everything the Tampa Bay area has to offer. Enjoy easy access to Countryside, Downtown Dunedin, Safety Harbor, Honeymoon Island State Park, Gulf beaches and Tampa International Airport. Countrybrook is not an age-restricted community, and the property is located outside a designated flood zone. Whether you are searching for a primary residence, seasonal Florida retreat or low-maintenance Palm Harbor home, this beautifully renovated first-floor corner villa is an exceptional opportunity. Let's start enjoying the Florida lifestyle!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,230
Sqft
0 ac
Lot size
1983
Year built
One
Levels
$244
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.
$2,639 /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
$2,639/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
+7.8%
$/sqft vs Palm Harbor actives
$244 vs $265
Days on market
17 vs 68 typical
Where $244/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 20% 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 3540 COUNTRYBROOK LANE UNIT 16
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$275,000
3540 COUNTRYBROOK LANE UNIT 23 · same community
2 bd · 2 ba · 1,230 sqft · $224/sqft · 350 DOM
Sold · Dec ’25$217,000
2850 COUNTRYBROOK DRIVE UNIT 13 · same community
2 bd · 2 ba · 1,230 sqft · $176/sqft · 10 DOM
Sold · Dec ’25$250,000
2866 COUNTRYBROOK DRIVE UNIT 15 · same community
3 bd · 2 ba · 1,520 sqft · $164/sqft · 228 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 3540 COUNTRYBROOK LANE UNIT 16 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3540 COUNTRYBROOK LANE UNIT 16 — 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
3540 COUNTRYBROOK LANE UNIT 16 FAQs
What would the monthly payment be for 3540 COUNTRYBROOK LANE UNIT 16?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,639/mo — principal and interest, the actual property-tax bill, the $522/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 3540 COUNTRYBROOK LANE UNIT 16?+
The association fee works out to $522 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3540 COUNTRYBROOK LANE UNIT 16?+
The most recent tax bill on record (2025) was $704. 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 3540 COUNTRYBROOK LANE UNIT 16?+
The listing reports pets: Cats OK, Number Limit. 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 $299,990, this home is listed about 23% 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 3540 COUNTRYBROOK LANE UNIT 16?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$299,990 runs 20% above the PALM HARBOR 34684 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $522/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Shelly Espy. MLS #TB8553464.
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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