2686 SCOBEE DRIVE, PALM HARBOR, FL, 34683
Active104 days on marketListed Apr 10, 2026MLS #TB8494366
About this home
2686 SCOBEE DRIVE
Extensively updated and move-in ready, this 3-bedroom, 2.5-bath pool home offers an impressive list of major improvements and energy-efficient upgrades. Recent investments include a Lifetime Roof (2023), fully owned Solar System (2024), complete interior and exterior paint (2023), new HVAC ductwork (2023), upgraded R-38 attic insulation (2023), custom kitchen renovation, fully renovated primary bath (2025), hardwood flooring, all LED lighting, new door hardware, new window blinds, new ceiling fans and chandelier (2024), professional landscaping, impact-resistant windows and doors (2014), and EV charging capability. Situated on an oversized corner lot of more than a quarter acre, the home features a spacious and functional floor plan with formal living and dining rooms, a large family room with a floor-to-ceiling brick fireplace, a breakfast nook, and a beautifully updated kitchen with center island, breakfast bar, pantry, built-in desk area, and abundant cabinetry. The split-bedroom layout provides privacy, with the primary suite offering direct access to the lanai and pool area, a walk-in closet, additional wall closet, and a completely renovated bath featuring an oversized shower, dual vanities, granite countertops, abundant storage, a large walk-in shower with built-in bench seating, and a private water closet. Designed for both everyday living and entertaining, the screened outdoor living area includes a pool, extensive covered lanai space, pool bath, and outdoor shower. Pocketing sliding doors and French doors throughout the home create seamless access to the outdoor living areas. Additional features include a dedicated laundry room with storage, folding station, hanging space, utility closet, and direct garage access. With major systems already updated this home offers buyers the rare advantage of significant recent improvements, enhanced energy efficiency, and reduced future maintenance expenses.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,495
Sqft
0.28 ac
Lot size
2
Garage
1989
Year built
One
Levels
$328
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.
$5,594 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,594/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−7.5%
Days on market
104 vs 42 typical
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 105% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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 2686 SCOBEE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2686 SCOBEE 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
2686 SCOBEE DRIVE FAQs
What would the monthly payment be for 2686 SCOBEE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,594/mo — principal and interest, the actual property-tax bill, the $88/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 2686 SCOBEE DRIVE?+
The association fee works out to $88 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2686 SCOBEE DRIVE?+
The most recent tax bill on record (2025) was $7,470. 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 2686 SCOBEE DRIVE?+
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 $818,500, this home is listed about 118% 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 2686 SCOBEE DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$818,500 runs 105% above the PALM HARBOR 34683 median — but at 2,495 sqft it's also 70% 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
104 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $838,500, now $818,500 — a $20K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Vanessa Leonard. MLS #TB8494366.
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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