3490 TEALWOOD CIRCLE, PALM HARBOR, FL, 34685
Active17 days on marketListed Oct 2, 2026MLS #TB8554313
About this home
3490 TEALWOOD CIRCLE
MOVE IN READY, UPDATED AND TUCKED INSIDE THE GATED TEALWOOD VILLAS COMMUNITY OF RIDGEMOOR. Welcome to 3490 Tealwood Circle, a beautifully updated 2 bedroom, 2 bathroom villa with a 1 car garage, spacious open living areas and peaceful conservation views. This home has been thoughtfully improved for today’s buyer, allowing you to move in without immediately facing a long list of projects. The interior has been freshly painted, popcorn ceilings have been removed throughout, and luxury vinyl flooring extends through the living room, dining area, bedrooms and laundry room. Updated baseboards, lighting, ceiling fans, blinds and recessed lighting give the home a clean, modern feel. The kitchen combines functionality with convenience and features a newer refrigerator, dishwasher, disposal and kitchen sink, along with a touch activated faucet and recessed lighting. Smart home features include a Honeywell smart thermostat, select smart switches, a MyQ smart garage system and security cameras at the front and rear of the home. Both bathrooms have received significant updates. The primary bathroom was completely remodeled and includes a frameless shower door, while the guest bathroom features an updated vanity, lighting and stone countertop. The primary suite also includes an organized walk in closet system for added storage and functionality. One of the standout features of this home is the relaxing view behind the property. The main living area opens toward the screened outdoor space and conservation area, creating a peaceful setting without another home directly behind you. Whats More? As you sit on your enclosed rear patio you can enjoy all the beautiful views of nature - birds, deer, peacock, turkeys and more! What a way to enjoy Florida living and outdoor entertaining. Additional improvements include a 2024 water heater, newer washer and dryer and updated fixtures. Tealwood Villas offers the benefits of gated, low maintenance living within the Ridgemoor community. Residents enjoy access to community amenities including a pool, tennis courts, walking and biking areas, playgrounds and green spaces. The community is conveniently located near parks, recreation, shopping, dining and many of the destinations that make the Palm Harbor and East Lake area so desirable. If you have been looking for a Palm Harbor villa that combines updated interiors, smart home conveniences, outdoor living, community amenities and a peaceful setting, 3490 Tealwood Circle deserves a look.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,486
Sqft
0.12 ac
Lot size
1
Garage
1996
Year built
One
Levels
$229
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.
$3,210 /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
$3,210/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
−14.7%
$/sqft vs Palm Harbor actives
$229 vs $265
Days on market
17 vs 68 typical
Where $229/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 Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
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)
231 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 17% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3490 TEALWOOD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$340,000
3451 MERMOOR DRIVE · same community
2 bd · 2 ba · 1,620 sqft · $210/sqft · 62 DOM
Sold · Apr ’26$445,000
2817 WENDOVER TERRACE
3 bd · 2 ba · 1,460 sqft · $305/sqft · 14 DOM
Sold · Feb ’26$259,000
1801 E LAKE ROAD UNIT 6A
3 bd · 2 ba · 1,520 sqft · $170/sqft · 60 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3490 TEALWOOD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3490 TEALWOOD CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3490 TEALWOOD CIRCLE FAQs
What would the monthly payment be for 3490 TEALWOOD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,210/mo — principal and interest, the actual property-tax bill, the $400/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 3490 TEALWOOD CIRCLE?+
The association fee works out to $400 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3490 TEALWOOD CIRCLE?+
The most recent tax bill on record (2025) was $5,975. 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 3490 TEALWOOD CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $340,000, this home is listed about 12% below the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3490 TEALWOOD CIRCLE?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise 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
01Under the PALM HARBOR 34685 market on paper
$340,000 is 17% below the PALM HARBOR 34685 median of $409,999, and at $229/sqft it sits under the Palm Harbor average of $272.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · Dawn Rawlins. MLS #TB8554313.
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 3490 TEALWOOD CIRCLE 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 Angela to ping you on any price or status change →