3421 BRIAN ROAD S, PALM HARBOR, FL, 34685
Active88 days on marketListed May 7, 2026MLS #TB8496011
About this home
3421 BRIAN ROAD S
Honey, Stop the Car!! This spacious 5-bedroom, 3-bath home offers over 2,800 square feet of thoughtfully designed living space, combining timeless character, quality craftsmanship, and many valuable updates. Step inside to discover a functional and inviting layout that has been meticulously maintained over the years. The kitchen is designed for both everyday living and entertaining, featuring all-new Whirlpool appliances (installed December 2025), updated Moen fixtures, an instant hot water system, and a convenient prep sink with a new garbage disposal. Granite countertops and a matching kitchen table that seats 6–8 create the perfect gathering space for family and friends. The bathrooms have been tastefully renovated, including a fully remodeled primary bath (2020) and two guest baths updated in 2023 with quartz and marble vanities, undermount sinks, and premium Moen fixtures throughout. Additional improvements include all new door hardware (2024) and updated lighting and fixtures. Character shines throughout the home with antique longleaf heart pine reclaimed from turn-of-the-century homes, showcased in the posts, beams, stairs, and doors, adding warmth, charm, and architectural detail that is difficult to find in newer homes. Major upgrades provide peace of mind, including a metal roof (2020), exterior paint (2021), a new HVAC system (2025), tankless gas water heater, and energy-efficient Solar Guard window film (2025) on west-facing windows and French doors. Step outside to your private backyard retreat, complete with a cedar ceiling lanai, updated ceiling fans (2024), and a heated pool and spa. The pool system has been fully modernized with a gas heater (2024) and iAquaLink controls (2025), allowing convenient operation from your phone, tablet, or web browser, along with spa-side controls for added ease. This exceptional home offers the perfect blend of space, character, thoughtful updates, and modern conveniences. EV charger does not convey.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,839
Sqft
0.26 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$237
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 — not generic estimates.
$4,371 /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
$4,371/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
−20.4%
$/sqft vs Palm Harbor actives
$237 vs $261
Days on market
88 vs 42 typical
Where $237/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 Tarpon Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Tarpon Woods — neighborhood snapshot
Population
2,471
Median age
48
Median income
$78,417
Median home value
$451,267
Avg household
2
Households w/ children
293
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)
203 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 94% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3421 BRIAN ROAD S
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$605,000
3350 BRIAN ROAD N · same community
3 bd · 2 ba · 2,462 sqft · $246/sqft · 233 DOM
Sold · Mar ’26$655,000
3404 BRIAN ROAD S · same community
3 bd · 3 ba · 2,447 sqft · $268/sqft · 8 DOM
Sold · May ’26$405,000
3405 BRIAN ROAD S · same community
3 bd · 2 ba · 1,681 sqft · $241/sqft · 1 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 3421 BRIAN ROAD S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3421 BRIAN ROAD S — 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
3421 BRIAN ROAD S FAQs
What would the monthly payment be for 3421 BRIAN ROAD S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,371/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3421 BRIAN ROAD S?+
The most recent tax bill on record (2025) was $3,852. 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 3421 BRIAN ROAD S?+
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 $674,000, this home is listed about 80% 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 3421 BRIAN ROAD S?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise 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
01Positioned at the premium end
$674,000 runs 94% above the PALM HARBOR 34685 median — but at 2,839 sqft it's also nearly twice the size of 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
88 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $699,999, now $674,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Amy Garzaro. MLS #TB8496011.
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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