914 HARBOR CIRCLE, PALM HARBOR, FL, 34683
Active46 days on marketListed Aug 28, 2026MLS #W7889005
About this home
914 HARBOR CIRCLE
Virtually Staged. NEW PRICE!! FANTASTIC LOCATION in Old Palm Harbor! This charming home is located in a quaint golf-cart-friendly community with NO HOA and NO flood insurance required, situated on a quiet street surrounded by well-maintained homes. Imagine hopping on your golf cart and being within approximately 1 mile of Downtown Palm Harbor, where you'll find fantastic restaurants, shops, breweries, and local hot spots. Plus, enjoy close proximity to top-rated schools! Featuring just under 2,000 square feet of living space, this spacious 3-bedroom, 2-bath home offers an oversized 2-car garage with abundant storage, an inside laundry room, and a wonderful layout that is much larger than it appears from the street. Major updates include a NEW ROOF (January 2024) and owned solar panels for energy-efficient living. Additional improvements include a 2019 fence, 2023 water heater, double-hung windows in all bedrooms and the family room (2011), reclaimed-water irrigation system, and custom hurricane shutters. Enter through the inviting screen-enclosed front porch into a spacious living room/dining room combination. Continue into the impressive great room featuring vaulted ceilings and original hardwood beams, adding warmth, charm, and character to the space. The centrally located kitchen was updated in 2016 and features custom cherrywood soft-close cabinetry, granite countertops, stainless steel appliances, a pull-out 4-tier spice drawer, and a deep stainless-steel sink. A convenient pass-through window opens to the lanai and provides a wonderful view of the backyard. Designed with entertaining in mind, the great room features pocket sliding doors that open completely to the expansive 33' x 13' screened lanai, creating an exceptional indoor-outdoor living space. The lanai is also accessible directly from the owner's suite through sliding glass doors. The spacious owner's suite offers a walk-in closet plus a second closet, an updated vanity with dual sinks and granite countertops, and a walk-in shower. The covered porches provide an additional 488 square feet of year-round living space, giving you even more room to relax and entertain. Step outside to your own fenced tropical backyard paradise, beautifully landscaped with butterfly-attracting flowers and huge banana trees. A 600+ square-foot brick paver patio stretches across the back of the home and leads to a cozy firepit area—perfect for entertaining, relaxing, and enjoying Florida's beautiful weather. With its exceptional location, spacious living areas, extensive updates, solar power, oversized garage, beautiful outdoor spaces, and easy golf-cart access to Downtown Palm Harbor, this is a special opportunity to enjoy the best of the Palm Harbor lifestyle!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,989
Sqft
0.17 ac
Lot size
2
Garage
1986
Year built
One
Levels
$268
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 — not generic estimates.
$3,555 /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
$3,555/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
Right at the estimate
$/sqft vs Palm Harbor actives
$268 vs $263
Days on market
46 vs 68 typical
Where $268/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 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
233 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 42% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 914 HARBOR CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$479,900
858 HARBOR CIRCLE · same community
2 bd · 2 ba · 1,327 sqft · $362/sqft · 86 DOM
Sold · Apr ’26$550,000
2379 AZALEA DRIVE
3 bd · 2 ba · 2,035 sqft · $270/sqft · 174 DOM
Sold · Oct ’25$605,000
1369 STONEHENGE WAY
3 bd · 2 ba · 2,042 sqft · $296/sqft · 50 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 914 HARBOR CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 914 HARBOR CIRCLE — 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
914 HARBOR CIRCLE FAQs
What would the monthly payment be for 914 HARBOR CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,555/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 914 HARBOR CIRCLE?+
The most recent tax bill on record (2025) was $186. 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 914 HARBOR CIRCLE?+
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 $534,000, this home is listed about 42% above the Palm Harbor median of $375,945. The market section on this page shows how the area is trending.
Which schools are assigned to 914 HARBOR CIRCLE?+
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
Three things that matter here
01Positioned at the premium end
$534,000 runs 42% above the PALM HARBOR 34683 median — but at 1,989 sqft it's also 36% larger than the typical Palm Harbor listing.
02Strong 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.
03The price has already moved
Listed at $559,000, now $534,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Jennifer Hatzistefanou. MLS #W7889005.
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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