540 Sheridan Drive, Palm Harbor FL 34684, PALM HARBOR, FL, 34684
Active216 days on marketListed Jan 14, 2026MLS #R11154255
About this home
540 Sheridan Drive, Palm Harbor FL 34684
POOL HOME. NEW ROOF 2026. NON FLOOD ZONE. LOW HOA. No CDD. SPACIOUS layout with flexible living space. MODERN European style with a light and BRIGHT interior. One of the largest homes in the neighborhood, located in a peaceful green community near Valencia Lake and Lake St. George, with scenic surroundings and CONVENIENT access to Gulf beaches, bike trail, top-rated schools, shopping, dining, and nearby Honeymoon Island State Park. Filled with NATURAL LIGHT, this move-in ready two-story home features 4 bedrooms, 2.5 bathrooms, plus an ADDITIONAL FLEXIBLE main-level ROOM suitable for a home office, guest space, creative studio, lounge, media room, or extra living area. The SPLIT FLOOR PLAN, high ceilings, and large windows create a bright and airy interior, while the thoughtfully designe d layout provides added privacy between bedrooms with minimal shared walls. Several bedrooms comfortably fit queen-size furniture while still allowing space for a desk, reading area, or creative workspace. The MODERN KITCHEN is centered around light and connection, featuring a COZY dining nook by a large window and views toward the screened pool and spacious living area, creating a warm and inviting everyday atmosphere. The primary suite features dual walk-in closets with natural light, double vanities, and relaxing sunset views that create a peaceful evening setting. UPDATEs include: NEW ROOF (2026), Italian marble flooring, Modern LED lighting, Porcelain & granite bathroom finishes, New upstairs carpet, Fresh interior & exterior paint The PRIVATE SCREENED-IN POOL and oversized fenced backyard provide multiple outdoor living areas with space for relaxing, entertaining, gardening, shaded seating, or storage for recreational equipment. The FINISHED GARAGE adds additional flexible space and may be used as a gym, workshop, hobby area, game room, storage space, or man cave. Located in a NON-FLOOD ZONE and has never flooded. This Palm Harbor pool home combines natural light, privacy, flexible living space, and resort-style outdoor living in one of the area's most desirable locations.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,111
Sqft
2
Garage
1988
Year built
2
Levels
$270
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.
$3,636 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,636/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Palm Harbor actives
$270 vs $261
Days on market
216 vs 52 typical
Where $270/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 Lake St. George
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 St. George — neighborhood snapshot
Population
1,834
Median age
41
Median income
$88,602
Median home value
$343,033
Avg household
3
Households w/ children
251
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 → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
232 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 128% 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 540 Sheridan Drive
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$440,000
29818 SEACOL STREET
3 bd · 2 ba · 2,093 sqft · $210/sqft · 72 DOM
Sold · Sep ’25$310,000
3290 COVERED BRIDGE DRIVE W
3 bd · 2.5 ba · 2,027 sqft · $153/sqft · 3 DOM
Sold · Mar ’26$485,000
3290 COVERED BRIDGE DRIVE W
3 bd · 2.5 ba · 2,027 sqft · $239/sqft · 70 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 540 Sheridan Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 Sheridan Drive — 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
540 Sheridan Drive FAQs
What would the monthly payment be for 540 Sheridan Drive, Palm Harbor FL 34684?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,636/mo — principal and interest, the actual property-tax bill, the $24/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 540 Sheridan Drive, Palm Harbor FL 34684?+
The association fee works out to $24 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 540 Sheridan Drive, Palm Harbor FL 34684?+
The most recent tax bill on record (2025) was $1,953. 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 540 Sheridan Drive, Palm Harbor FL 34684?+
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 $569,900, this home is listed about 52% above the Palm Harbor median of $375,990. The market section on this page shows how the area is trending.
Which schools are assigned to 540 Sheridan Drive, Palm Harbor FL 34684?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Countryside High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$569,900 runs 128% above the PALM HARBOR 34684 median — but at 2,111 sqft it's also 44% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
216 days on market against a Palm Harbor median of 52 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Countryside High School — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $625,000, now $569,900 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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