2199 BLUE TERN DRIVE, PALM HARBOR, FL, 34683
Active400 days on marketListed Jun 19, 2025MLS #TB8398713
About this home
2199 BLUE TERN DRIVE
Price is firm. Here is a real opportunity to own a beautiful screened in pool home in the desirable Dove Hollow Community in Palm Harbor! This is the perfect blend of style, space, and serenity. Step inside and be immediately impressed by the open floor plan, filled with natural light and designed with today’s modern lifestyle in mind. Numerous upgrades throughout, this home is move-in ready with updated flooring, appliances, counter tops, sinks and vanity. Spacious bedrooms for comfort and privacy, while the three full bathrooms are all thoughtfully updated with high-end finishes, including custom built-in showers and soaking tubs. You will notice the backyard has a true oasis featuring winding paths, lush greenery, and peaceful hideaways—perfect for relaxing mornings or quiet evenings. The oversized screened lanai and sparkling pool invite you to unwind and soak in the Florida lifestyle. The front courtyard is ideal for enjoying your morning coffee or winding down with a glass of wine as the sun sets. Need space for a home gym or private office? The garage includes a built-out, air-conditioned bonus room that can easily be converted back to a full-size garage if desired. New roof installed in 2021. 2018 hot water heater. 2017 HVAC. Don’t miss your chance to own a slice of paradise in one of Palm Harbor’s most charming communities! Schedule a showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,789
Sqft
0.19 ac
Lot size
2
Garage
1982
Year built
One
Levels
$252
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.
$3,491 /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
$3,491/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
−12.9%
$/sqft vs Palm Harbor actives
$252 vs $259
Days on market
400 vs 42 typical
Where $252/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 Dove Hollow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Dove Hollow — neighborhood snapshot
Population
615
Median age
49
Median income
$76,016
Median home value
$315,020
Avg household
2
Households w/ children
39%
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)
209 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 11% 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 2199 BLUE TERN DRIVE
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$490,000
3625 PELICAN COURT · same community
3 bd · 2 ba · 1,891 sqft · $259/sqft · 3 DOM
Sold · Apr ’26$535,000
2256 W COLONIAL BOULEVARD W · same community
3 bd · 2.5 ba · 1,903 sqft · $281/sqft · 129 DOM
Sold · Oct ’25$440,000
2232 COLONIAL BOULEVARD W · same community
4 bd · 2 ba · 1,949 sqft · $226/sqft · 46 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 2199 BLUE TERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2199 BLUE TERN 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
2199 BLUE TERN DRIVE FAQs
What would the monthly payment be for 2199 BLUE TERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,491/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 2199 BLUE TERN DRIVE?+
The most recent tax bill on record (2024) was $5,795. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $450,000, this home is listed about 20% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2199 BLUE TERN DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$450,000 runs 11% above the PALM HARBOR 34683 median — but at 1,789 sqft it's also 22% 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
400 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $500,000, now $450,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Joe Hajeski. MLS #TB8398713.
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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