2221 CIMARRON TERRACE, PALM HARBOR, FL, 34683
Active164 days on marketListed Feb 13, 2026MLS #TB8476424
About this home
2221 CIMARRON TERRACE
Welcome to this move-in ready, completely remodeled 4-bedroom, 2-bath, 2-car garage split-plan home. This Beautiful home offers 2126 square feet of spacious living. This house sits on a large lot with no rear neighbors. The kitchen has been completely remodeled with new cabinets, counters and appliances. The kitchen also features a large peninsula island with bar seating and an in kitchen dining area. The kitchen overlooks a cozy family room. The home also offers a large Livingroom area that many might use as an addition family room. The fourth bedroom is located near the primary bedroom and can be used as an office or Nursery. This entire home has been expertly tiled with wood plank porcelain tile that offers the durability of tile and the look of hardwood floors. Both bathrooms in this home have been completely renovated with new cabinets, counters, fixtures and new tiled showers. There is a large covered and screened back patio and a spacious back yard. Brand new Roof completed in August of 2025. New Hot water Heater. Great neighborhood, great schools and home that needs nothing pack your bags.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,126
Sqft
0.22 ac
Lot size
2
Garage
1988
Year built
One
Levels
$259
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.
$3,894 /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
$3,894/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
−4.6%
$/sqft vs Palm Harbor actives
$259 vs $259
Days on market
164 vs 42 typical
Where $259/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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
211 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 38% 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 2221 CIMARRON TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$470,000
2221 CIMARRON TERRACE · same community
4 bd · 2 ba · 2,126 sqft · $221/sqft · 34 DOM
Sold · Jul ’26$587,500
1043 RIDGE VIEW LANE · same community
3 bd · 2 ba · 1,496 sqft · $393/sqft · 39 DOM
Sold · Mar ’26$615,000
1170 FALCON RIDGE LANE · same community
3 bd · 2 ba · 1,486 sqft · $414/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 2221 CIMARRON TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2221 CIMARRON TERRACE — 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
2221 CIMARRON TERRACE FAQs
What would the monthly payment be for 2221 CIMARRON TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,894/mo — principal and interest, the actual property-tax bill, the $20/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 2221 CIMARRON TERRACE?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2221 CIMARRON TERRACE?+
The most recent tax bill on record (2025) was $2,801. 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 2221 CIMARRON TERRACE?+
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 $549,995, this home is listed about 47% 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 2221 CIMARRON TERRACE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$549,995 runs 38% above the PALM HARBOR 34683 median — but at 2,126 sqft it's also 45% larger than the typical Palm Harbor listing.
02Time on market is leverage
164 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $649,999, now $549,995 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARK PROPERTY GROUP · Chad Ricketts. MLS #TB8476424.
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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