125 CARLYLE DRIVE, PALM HARBOR, FL, 34683
Active103 days on marketListed Apr 17, 2026MLS #TB8496063
About this home
125 CARLYLE DRIVE
PRICE IMPROVEMENT!! An ISLAND, a NEIGHBORHOOD, a LIFESTYLE!! Join this elite conclave of homes situated in northern Pinellas County, surrounded by the Gulf & serene waters of St. Joseph Sound. INDIAN BLUFF ISLAND is an address with prestige! Offering a 'coastal' way of life, launch your stand-up boards & kayaks from the causeway & drift into a paddler's paradise or keep your boat or jet skis on your property under your personnel, hidden covered parking. Sip your favorite drinks as you appreciate amazing sunsets over the water views to the west or wake up with 'your cup of joe' watching the splendor of the sunrise from your private patio. This 4 bedroom, 2 bath home offers an open concept design & spacious room sizes; the kitchen shines with all new energy efficient appliances; AC is new with enhanced HVAC UV & electronic filtration; new water heater; upgrades of crown moulding, granite counter tops throughout, barn doors & new luxury, laminate flooring complete the package. Salt water pool with child safety fence is nestled in the vast, fenced yard, surrounded by paver decking & covered screen porch. Roof is brand new! Yard is landscaped with FL friendly plants using non-toxic pesticides. Circular drive provides ample guest parking; hidden side yard covered parking & pad allow for keeping boats, RV's & other toys! Quiet, ideal location close to all amenities, golf courses, beaches, Pinellas Trail, Wall Springs Park, Palm Harbor schools, medical/hospitals. Enjoy the benefits of Island living!!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,279
Sqft
0.33 ac
Lot size
1962
Year built
One
Levels
$258
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.
$3,927 /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
$3,927/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
−21.1%
$/sqft vs Palm Harbor actives
$258 vs $258
Days on market
103 vs 42 typical
Where $258/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)
213 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 47% 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 125 CARLYLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$595,000
129 CARLYLE DRIVE · same community
3 bd · 2 ba · 2,333 sqft · $255/sqft · 0 DOM
Sold · Apr ’26$1,375,250
154 CARLYLE DRIVE · same community
3 bd · 2.5 ba · 2,631 sqft · $523/sqft · 0 DOM
Sold · Jun ’26$881,500
192 SAGE CIRCLE
3 bd · 2 ba · 2,282 sqft · $386/sqft · 167 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 125 CARLYLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 CARLYLE 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
125 CARLYLE DRIVE FAQs
What would the monthly payment be for 125 CARLYLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,927/mo — principal and interest, the actual property-tax bill, the $13/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 125 CARLYLE DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 125 CARLYLE DRIVE?+
The most recent tax bill on record (2025) was $4,258. 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 125 CARLYLE 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 $589,000, this home is listed about 57% 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 125 CARLYLE 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
$589,000 runs 47% above the PALM HARBOR 34683 median — but at 2,279 sqft it's also 56% 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
103 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 $599,000, now $589,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRADSHAW & BRADSHAW REALTY SER · Carol Bradshaw. MLS #TB8496063.
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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