2833 ORANGE TREE CIRCLE N UNIT C, PALM HARBOR, FL, 34684
Active113 days on marketListed Apr 3, 2026MLS #TB8493800
About this home
2833 ORANGE TREE CIRCLE N UNIT C
Welcome to this charming 2-bedroom, 2-bath villa with a one-car garage in a desirable HOPA community located in a highly sought-after area of Palm Harbor. At least one resident must be at least 55 years of age to live in this peaceful residential community with a community pool and clubhouse (but no resident under the age of 18 years). This residence offers an open and airy floor plan with an abundance of windows that fill the space with natural light. It even has it’s own private Zen garden atrium space right off the kitchen and living room areas where you can enjoy quiet meditative times in a comfortable retreat or as a place to savor your morning cup of coffee or just to relax in an area where you can enjoy the outside in total privacy. The updated kitchen is complete with ample cabinetry, granite countertops, and a breakfast bar for those quick meals. There is ample space for your dining room table or use the space as a TV space or family-room activity area. As a nice – yet functional – upgrade, there are French doors going from the kitchen/dining area to this retreat. Should you wish to enjoy the flow of fresh air, you can even leave the French doors wide open without worrying about any uninvited guests and just enjoy the breeze. Laminate flooring and tile throughout – even in the closets. The primary bedroom features its own ensuite bathroom and a walk-in closet. There is a double utility sink in the garage with washer and dryer hookups. High-speed internet, cable -- including, Peacock, Paramount and Disney Plus -- water, sewer and trash – as well as exterior pest control and lawn care -- are also included, as are the pool and clubhouse. Located in the “heart” of Palm Harbor, Orange Tree Villas is a quiet community located near “everything”! Trader Joes is just around the corner as are major supermarkets, shopping, restaurants, medical facilities, recreation, and so much more. Sorry, no smoking and no pets (dogs/cats) are permitted. With a good credit report, first and security will get you in. This charming villa is available now so make an appointment to view it today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0 ac
Lot size
1
Garage
1980
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $259
Days on market
113 vs 42 typical
Where $2/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 Orange Tree, 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
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,013/mo median
Live Palm Harbor rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Orange Tree
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Orange Tree is a short-term-rental community. See the full guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
212 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 99% 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 2833 ORANGE TREE CIRCLE N UNIT C
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$178,000
1160 ORANGE TREE CIRCLE W UNIT D · same community
2 bd · 2 ba · 960 sqft · $185/sqft · 63 DOM
Sold · Apr ’26$175,000
1130 ORANGE TREE CIRCLE W UNIT C · same community
2 bd · 2 ba · 960 sqft · $182/sqft · 9 DOM
Sold · Jun ’26$155,000
1163 ORANGE TREE CIRCLE W UNIT D · same community
2 bd · 2 ba · 960 sqft · $161/sqft · 298 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 2833 ORANGE TREE CIRCLE N UNIT C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2833 ORANGE TREE CIRCLE N UNIT C — 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
2833 ORANGE TREE CIRCLE N UNIT C FAQs
What would the monthly payment be for 2833 ORANGE TREE CIRCLE N UNIT C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Can 2833 ORANGE TREE CIRCLE N UNIT C be rented short-term?+
Yes — this home sits inside Orange Tree, 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 2833 ORANGE TREE CIRCLE N UNIT C?+
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 $1,845, this home is listed about 100% 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 2833 ORANGE TREE CIRCLE N UNIT C?+
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
01Under the PALM HARBOR 34684 market on paper
$1,845 is 99% below the PALM HARBOR 34684 median of $247,458, and at $2/sqft it sits under the Palm Harbor average of $269.
02Zoned for nightly rentals
Orange Tree 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 views
The garden view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
113 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
05Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Kim Clark. MLS #TB8493800.
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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