2511 DOLLY BAY DRIVE UNIT 104, PALM HARBOR, FL, 34684
Active4 days on marketListed Oct 8, 2026MLS #TB8556239
About this home
2511 DOLLY BAY DRIVE UNIT 104
MOVE-IN READY | UPDATED | 1,611 SQ. FT. | LAKE TARPON WATERFRONT COMMUNITY! Welcome to Dolly Bay, one of Palm Harbor’s hidden waterfront gems! This spacious 2-bedroom, 2-bath condo offers 1,611 sq. ft. PLUS an enclosed lanai overlooking a serene tropical nature setting. Thoughtfully remodeled and well maintained, this home is move-in ready and offered furnished (optional) for the seller’s convenience. Inside, enjoy a spacious layout with NO CARPET, abundant storage, a large galley kitchen with NEW refrigerator, WET BAR, indoor laundry and pantry/storage area. The enclosed lanai features DOUBLE-PANE INTERIOR SLIDERS and HURRICANE-RATED WINDOWS throughout—creating a peaceful space to enjoy the beautiful nature views. The oversized primary suite features TWO WALK-IN CLOSETS, an ensuite bath with a large ROUND JACUZZI TUB and separate linen closet. The generously sized second bedroom, full hall bath and foyer closet provide even more space and storage. Major improvements include NEW HVAC, NEW HOT WATER HEATER, NEW REFRIGERATOR, NEW METAL ROOF (2024), popcorn ceilings removed, hurricane-rated lanai windows, double-pane interior sliders and numerous additional updates. With just 84 residences, Dolly Bay offers a charming, neighborly atmosphere surrounded by mature trees, tranquil ponds, scenic boardwalks and Florida wildlife—all with DIRECT ACCESS TO LAKE TARPON, one of Pinellas County’s premier freshwater lakes for boating, fishing, kayaking and paddleboarding. Community amenities include a HEATED LAKEFRONT POOL, clubhouse, tennis courts, waterfront boardwalk, fishing dock, fish-cleaning station, community fire pit, picnic area with BBQ grills and private Lake Tarpon access. BOAT SLIPS are available first-come, first-served (currently $1,000/year), with KAYAK STORAGE currently available for $100/year. One assigned parking space plus ample guest parking. Conveniently located near John Chesnut Sr. Park, Pinellas Trail, Gulf beaches, shopping, dining, golf, healthcare and both St. Pete-Clearwater and Tampa International Airports. Imagine boating across Lake Tarpon for lunch or dinner at Tarpon Turtle, fishing at sunrise, kayaking peaceful waters or relaxing around the community fire pit. Ideal as a PRIMARY RESIDENCE, SEASONAL RETREAT or INVESTMENT OPPORTUNITY. It’s more than a home—it’s the Florida waterfront lifestyle. WELCOME TO DOLLY BAY!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,611
Sqft
1984
Year built
One
Levels
$181
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.
$2,863 /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
$2,863/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
−27.5%
$/sqft vs Palm Harbor actives
$181 vs $260
Days on market
4 vs 69 typical
Where $181/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 Dolly Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Dolly Bay — neighborhood snapshot
Population
421
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
36%
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 17% 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 2511 DOLLY BAY DRIVE UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$279,750
2599 DOLLY BAY DRIVE UNIT 308 · same community
3 bd · 2.5 ba · 2,029 sqft · $138/sqft · 26 DOM
Sold · Nov ’25$262,000
2511 DOLLY BAY DRIVE UNIT 206 · same community
3 bd · 3 ba · 2,035 sqft · $129/sqft · 9 DOM
Sold · Nov ’25$425,000
3261 MONTROSE CIRCLE
3 bd · 2 ba · 1,555 sqft · $273/sqft · 11 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2511 DOLLY BAY DRIVE UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2511 DOLLY BAY DRIVE UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2511 DOLLY BAY DRIVE UNIT 104 FAQs
What would the monthly payment be for 2511 DOLLY BAY DRIVE UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,863/mo — principal and interest, the actual property-tax bill, the $672/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 2511 DOLLY BAY DRIVE UNIT 104?+
The association fee works out to $672 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2511 DOLLY BAY DRIVE UNIT 104?+
The most recent tax bill on record (2025) was $2,214. 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 2511 DOLLY BAY DRIVE UNIT 104?+
The listing reports pets: Size Limit, 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 $291,700, this home is listed about 23% below the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 2511 DOLLY BAY DRIVE UNIT 104?+
Highland Lakes 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
$291,700 runs 17% 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 $672/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 4 days on market in a Palm Harbor market that averages 69 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michelle Rinello. MLS #TB8556239.
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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