819 HELMSMAN WAY, PALM HARBOR, FL, 34685
Active156 days on marketListed Feb 27, 2026MLS #O6386163
About this home
819 HELMSMAN WAY
Come see this beautifully redone home in the lovely Anchorage 55+ community! Featuring a brand new central AC, brand new shingle roof, 3 bedrooms, 2 bathrooms, a spacious floorplan with a living room and separate den, two fully redone bathrooms, and luxury vinyl plank flooring throughout, this one is a must see. Kitchen features white shaker cabinetry, stainless steel appliances, and quartz countertops. Plenty of room for outdoor living on your shaded back patio. Low HOA fee of $500 yearly includes a pool and redone clubhouse.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.17 ac
Lot size
1
Garage
1974
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 and the real association fee — not generic estimates.
$2,802 /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
$2,802/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
−4.5%
$/sqft vs Palm Harbor actives
$268 vs $260
Days on market
156 vs 42 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 34685 — neighborhood snapshot
Population
17,895
Median age
48.7
Median income
$87,658
Median home value
$479,400
Avg household
2.45
Households w/ children
1,931
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
203 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 4% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 819 HELMSMAN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$311,500
803 HELMSMAN WAY · same community
2 bd · 2 ba · 1,330 sqft · $234/sqft · 137 DOM
Sold · Jul ’26$350,000
760 PILOTS WAY · same community
2 bd · 2 ba · 1,306 sqft · $268/sqft · 74 DOM
Sold · May ’26$320,000
2113 CROWSNEST DRIVE · same community
2 bd · 2 ba · 1,225 sqft · $261/sqft · 0 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 819 HELMSMAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 819 HELMSMAN WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
819 HELMSMAN WAY FAQs
What would the monthly payment be for 819 HELMSMAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,802/mo — principal and interest, the actual property-tax bill, the $42/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 819 HELMSMAN WAY?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 819 HELMSMAN WAY?+
The most recent tax bill on record (2025) was $3,868. 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 819 HELMSMAN WAY?+
The listing reports pets: Cats OK, Dogs OK, 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 $359,900, this home is listed about 4% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 819 HELMSMAN WAY?+
Cypress Woods Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
156 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Cypress Woods Elementary School, Joseph L. Carwise Middle School, East Lake High School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $399,900, now $359,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TRUST REALTY USA, LLC · Uri Segev. MLS #O6386163.
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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