3399 MERMOOR DRIVE UNIT 101, PALM HARBOR, FL, 34685
Active104 days on marketListed Apr 21, 2026MLS #TB8500467
About this home
3399 MERMOOR DRIVE UNIT 101
Short Sale. Welcome to 3399 Mermoor Dr, Apt 101, located in the highly desirable East Lake corridor of Palm Harbor! This well-maintained first-floor corner condo offers a comfortable and convenient lifestyle with approximately 1,030 square feet of living space, featuring 2 spacious bedrooms and 2 full bathrooms in a thoughtfully designed layout. Step inside to find a bright and inviting interior that flows seamlessly out to a private screened-in lanai, perfect for enjoying Florida’s year-round sunshine without the bugs with a view of the lake. The home has seen key updates, including a 1-year-old A/C system, garbage disposal, and dishwasher, giving buyers peace of mind on major components. Located in a community that typically sits in a non-flood zone (Flood Zone X), this property offers added confidence and potential insurance savings. The HOA fee covers exterior maintenance, grounds upkeep, and access to desirable community amenities such as a sparkling pool, clubhouse, and well-kept common areas, creating a low-maintenance lifestyle ideal for seasonal or full-time residents. Nestled just minutes from top-rated schools, shopping, dining, and beautiful Gulf Coast beaches, this condo combines comfort, convenience, and value in one of the most sought-after areas of Pinellas County. Whether you’re looking for a primary residence, vacation home, or investment opportunity, this one checks all the boxes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,030
Sqft
0.84 ac
Lot size
1985
Year built
One
Levels
$152
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.
$1,973 /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
$1,973/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
−14.3%
$/sqft vs Palm Harbor actives
$152 vs $261
Days on market
104 vs 46 typical
Where $152/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 Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
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 55% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3399 MERMOOR DRIVE UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$187,000
3350 MERMOOR DRIVE UNIT 1201 · same community
2 bd · 2 ba · 1,045 sqft · $179/sqft · 96 DOM
Sold · Dec ’25$175,000
3382 MERMOOR DRIVE UNIT 3201 · same community
2 bd · 2 ba · 1,155 sqft · $152/sqft · 166 DOM
Sold · Sep ’25$195,000
3358 MERMOOR DRIVE UNIT 2205 · same community
2 bd · 2 ba · 1,155 sqft · $169/sqft · 4 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 3399 MERMOOR DRIVE UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3399 MERMOOR DRIVE UNIT 101 — 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
3399 MERMOOR DRIVE UNIT 101 FAQs
What would the monthly payment be for 3399 MERMOOR DRIVE UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,973/mo — principal and interest, the actual property-tax bill, the $518/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 3399 MERMOOR DRIVE UNIT 101?+
The association fee works out to $518 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3399 MERMOOR DRIVE UNIT 101?+
The most recent tax bill on record (2025) was $3,616. 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 3399 MERMOOR DRIVE UNIT 101?+
The listing reports pets: Cats OK, Dogs OK. 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 $157,000, this home is listed about 59% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3399 MERMOOR DRIVE UNIT 101?+
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
01Under the PALM HARBOR 34685 market on paper
$157,000 is 55% below the PALM HARBOR 34685 median of $347,000, and at $152/sqft it sits under the Palm Harbor average of $272.
02Know the monthly fee
The association fee is $518/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
104 days on market against a Palm Harbor median of 46 — 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 $180,000, now $157,000 — a $23K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Lucy Derosa. MLS #TB8500467.
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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