3109 MISSION GROVE DRIVE UNIT D, PALM HARBOR, FL, 34684
Active265 days on marketListed Nov 14, 2025MLS #TB8447950
About this home
3109 MISSION GROVE DRIVE UNIT D
Virtually Staged. SELLER WILL CREDIT BUYER FOR 6 MONTHS OF CONDO FEES AT CLOSING. Bright & Open 2-Bedroom Villa in a Highly Desirable 55+ Active Community. Welcome to this light-filled 2 bedroom, 2 full bath villa offering an inviting open floor plan and easy-maintenance tile flooring throughout. Enjoy peaceful mornings and relaxing evenings in the enclosed lanai overlooking a beautifully landscaped green space. From the front of the home—and the front bedroom—you’ll appreciate serene pond views that enhance the home’s tranquil setting. Convenience is built in with a private carport and an attached storage closet, providing extra space for bikes, beach gear, tools, and more. Located in a sought-after 55+ active community, this villa includes a wealth of amenities within the monthly fees: unlimited golf, two clubhouses each with their own swimming pool, tennis courts, shuffleboard, access to scenic Lake Tarpon, and countless social events, activities, and clubs designed to fit every interest and lifestyle. Bright, open, and filled with natural light, this charming villa offers the perfect blend of comfort, community, and carefree living—ideal as a full-time residence or seasonal getaway.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
806
Sqft
0 ac
Lot size
1976
Year built
One
Levels
$146
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.
$1,240 /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
$1,240/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
−20%
$/sqft vs Palm Harbor actives
$146 vs $264
Days on market
265 vs 48 typical
Where $146/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.
The investor lens
Two ways this home pays
This home sits inside High Grove, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$31,045/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,125/mo median
Live Palm Harbor rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening48%
Occupancy
▼ 25% yr/yr
$307
Avg nightly rate
▲ 10% yr/yr
$36K/yr
Revenue per listing
$155
RevPAR
59 days
Booking lead time
6.2 nights
Avg stay
5
Typical min nights
303
Active rentals
▼ 3% supply
Seasonality — monthly occupancy
Peaks at 69% in Mar · bottoms at 36% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Highland Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
High Grove is a short-term-rental community. See the full guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
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)
216 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 53% 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 3109 MISSION GROVE DRIVE UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$150,000
3140 HIGHLANDS BOULEVARD UNIT F · same community
2 bd · 2 ba · 866 sqft · $173/sqft · 154 DOM
Sold · Nov ’25$150,000
3150 MISSION GROVE DRIVE UNIT 3150 · same community
2 bd · 2 ba · 866 sqft · $173/sqft · 28 DOM
Sold · Jul ’26$112,500
3156 HIGHLANDS BOULEVARD UNIT A · same community
1 bd · 1 ba · 636 sqft · $177/sqft · 11 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 3109 MISSION GROVE DRIVE UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3109 MISSION GROVE DRIVE UNIT D — 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
3109 MISSION GROVE DRIVE UNIT D FAQs
What would the monthly payment be for 3109 MISSION GROVE DRIVE UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,240/mo — principal and interest, the actual property-tax bill, the $164/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 3109 MISSION GROVE DRIVE UNIT D?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3109 MISSION GROVE DRIVE UNIT D?+
The most recent tax bill on record (2024) was $2,068. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3109 MISSION GROVE DRIVE UNIT D be rented short-term?+
Yes — this home sits inside High Grove, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3109 MISSION GROVE DRIVE UNIT D?+
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 $117,500, this home is listed about 69% below the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3109 MISSION GROVE DRIVE UNIT D?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PALM HARBOR 34684 market on paper
$117,500 is 53% below the PALM HARBOR 34684 median of $250,000, and at $146/sqft it sits under the Palm Harbor average of $272.
02Zoned for nightly rentals
High Grove is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Garden & Water views
The garden and water view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
265 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Kim Adams. MLS #TB8447950.
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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