185 LAKE TARPON DRIVE UNIT 31, PALM HARBOR, FL, 34684
Active2 days on marketListed Oct 16, 2026MLS #TB8557753
About this home
185 LAKE TARPON DRIVE UNIT 31
Own the land, not just the home. This Palm Harbor manufactured home sits on an individually owned lot in a golf cart-friendly 55+ community on Lake Tarpon, where the social calendar stays full, and the water is a short ride away. The big-ticket items are already handled. The roof is about three years old, the A/C system and ductwork are new, and the exterior has vinyl siding. Inside, a room addition opens off the living area, giving you extra space to spread out, host friends, or set up a hobby room. Start the day with coffee on the screened deck, then enjoy the landscaped back and side yards. Community amenities include a private boat dock and fishing pier on Lake Tarpon and a remodeled heated pool with a sundeck and covered seating. The clubhouse has a full kitchen, stage, sound system and screen, card room, library, and billiard room. Shuffleboard, bocce, horseshoes, a golf practice net, a picnic and grilling area, and space for pickleball round it out. Gulf beaches, golf courses, parks, dining, shopping, and two major airports are all within easy reach.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,004
Sqft
0.14 ac
Lot size
1979
Year built
One
Levels
$194
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.
$1,689 /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
$1,689/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
+14.6%
$/sqft vs LAKE TARPON MOBILE HOME VILLAGE
$194 vs $186
Days on market
2 vs 68 typical
Where $194/sqft sits among the 19 homes for sale in LAKE TARPON MOBILE HOME VILLAGE
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 Tarpon Mobile Home Village
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 Tarpon Mobile Home Village — neighborhood snapshot
Population
681
Median age
65
Median income
$69,118
Median home value
$169,600
Avg household
2
Households w/ children
48%
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)
10 of 19
LAKE TARPON MOBILE HOME VILLAGE have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 185 LAKE TARPON DRIVE UNIT 31
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$140,000
47 DELAWARE COURT UNIT 10 · same community
2 bd · 2 ba · 1,008 sqft · $139/sqft · 176 DOM
Sold · May ’26$150,000
51 LEXINGTON COURT UNIT 13 · same community
2 bd · 2 ba · 984 sqft · $152/sqft · 310 DOM
Sold · Aug ’26$160,000
29 CONCORD LANE UNIT 11 · same community
2 bd · 2 ba · 1,032 sqft · $155/sqft · 111 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 185 LAKE TARPON DRIVE UNIT 31 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 185 LAKE TARPON DRIVE UNIT 31 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
185 LAKE TARPON DRIVE UNIT 31 FAQs
What would the monthly payment be for 185 LAKE TARPON DRIVE UNIT 31?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,689/mo — principal and interest, the actual property-tax bill, the $110/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 185 LAKE TARPON DRIVE UNIT 31?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 185 LAKE TARPON DRIVE UNIT 31?+
The most recent tax bill on record (2025) was $2,217. 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 185 LAKE TARPON DRIVE UNIT 31?+
The listing reports pets: No. 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 $195,000, this home is listed about 50% 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 185 LAKE TARPON DRIVE UNIT 31?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Bryan Coward PA. MLS #TB8557753.
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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