23 MOUNTAIN LAUREL DRIVE, PALM HARBOR, FL, 34684
Active101 days on marketListed Apr 14, 2026MLS #TB8490077
About this home
23 MOUNTAIN LAUREL DRIVE
Welcome to Blue Jay Estates, one of Palm Harbor’s most sought-after 55+ resident-owned communities! This charming 3-bedroom, 2-bath manufactured home offers comfort, space, and an active lifestyle all in one. New HVAC (2026) and new electrical panel will be installed before closing. The primary suite features a spacious en-suite bathroom with both a bath and separate shower, along with a walk-in closet. Enjoy an updated kitchen, dedicated laundry room, and plenty of room to relax or entertain. Outside, you’ll find a 2-car carport, screened-in lanai perfect for enjoying Florida’s beautiful weather, and a convenient built-in shed for extra storage. Blue Jay Estates offers fantastic amenities including a heated swimming pool, clubhouse, shuffleboard, and bocce courts. Residents love the vibrant social atmosphere with regular dinners, dances, bingo, and fitness activities. Conveniently located near shopping, dining, and the beautiful Gulf beaches, this is Florida living at its best!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,577
Sqft
0.11 ac
Lot size
1980
Year built
One
Levels
$114
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.
$1,588 /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
$1,588/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
−10.7%
$/sqft vs Palm Harbor actives
$114 vs $259
Days on market
101 vs 42 typical
Where $114/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 Curlew
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Curlew — neighborhood snapshot
Population
1,000
Median age
61
Median income
$64,608
Median home value
$253,000
Avg household
2
Households w/ children
51%
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 27% 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 23 MOUNTAIN LAUREL DRIVE
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$195,000
162 HICKORY GATE DRIVE · same community
3 bd · 2 ba · 1,464 sqft · $133/sqft · 18 DOM
Sold · Feb ’26$187,500
116 MAPLE LEAF DRIVE · same community
2 bd · 2 ba · 1,450 sqft · $129/sqft · 6 DOM
Sold · Sep ’25$149,950
107 PINEBARK DRIVE · same community
2 bd · 2 ba · 1,342 sqft · $112/sqft · 273 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 23 MOUNTAIN LAUREL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23 MOUNTAIN LAUREL 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
23 MOUNTAIN LAUREL DRIVE FAQs
What would the monthly payment be for 23 MOUNTAIN LAUREL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,588/mo — principal and interest, the actual property-tax bill, the $230/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 23 MOUNTAIN LAUREL DRIVE?+
The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23 MOUNTAIN LAUREL DRIVE?+
The most recent tax bill on record (2025) was $701. 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 23 MOUNTAIN LAUREL DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $180,000, this home is listed about 52% 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 23 MOUNTAIN LAUREL DRIVE?+
Curlew Creek Elementary School (elementary), Countryside High School (high), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34684 market on paper
$180,000 is 27% below the PALM HARBOR 34684 median of $244,900, and at $114/sqft it sits under the Palm Harbor average of $269.
02Time on market is leverage
101 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Curlew Creek Elementary School, Countryside High School, Palm Harbor Middle School — Curlew Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CONCI, REALTORS · Cyndi Olmstead. MLS #TB8490077.
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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