2599 DOLLY BAY DRIVE UNIT 302, PALM HARBOR, FL, 34684
Active100 days on marketListed Apr 28, 2026MLS #TB8502696
About this home
2599 DOLLY BAY DRIVE UNIT 302
Positioned on the waterfront of Lake Tarpon in Palm Harbor’s Dolly Bay community, this updated two-bedroom, two-and-a-half-bath condo offers a clean, modern interior with a true low-maintenance lifestyle. Beautiful new wide plank white oak engineered hardwood floors run throughout, creating a consistent, elevated finish. The main level is open and functional, with defined living and dining spaces and direct access to a rear patio with water views. Hurricane impact windows and sliding glass doors bring in natural light while adding durability and energy efficiency. Major updates include a 2024 HVAC system and a 2021 metal roof. The kitchen is open and spacious, featuring granite countertops, ample cabinetry, modern appliances, and countertop seating. A wet bar separates the kitchen and dining area, ideal for entertaining. An updated half bath serves the main level. Upstairs, both bedrooms are well-sized and positioned for privacy. The primary suite features high ceilings, strong natural light, two closets with custom systems, and an en-suite bath with a walk-in shower. The secondary bedroom is equally spacious, offering its own en-suite bath and large closets. A large attic provides additional storage, a rare feature for condo living. Monthly HOA dues cover water, sewer, trash, and pest control, simplifying ownership. The building has also been recently updated with new siding and exterior paint. Dolly Bay offers direct access to Lake Tarpon with rentable boat slips - current availability for motorboats, kayaks, and paddleboards. Community amenities include a waterfront pool, clubhouse with a kitchen, ping pong table, and tennis/pickleball courts. Convenient to shopping, dining, and the Gulf beaches, this is a well-updated waterfront option for a primary residence or second home.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,633
Sqft
0 ac
Lot size
1984
Year built
Two
Levels
$168
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.
$2,759 /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
$2,759/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
−49.4%
$/sqft vs Palm Harbor actives
$168 vs $264
Days on market
100 vs 48 typical
Where $168/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 Dolly Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Dolly Bay — neighborhood snapshot
Population
421
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
36%
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)
216 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 10% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2599 DOLLY BAY DRIVE UNIT 302
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$279,750
2599 DOLLY BAY DRIVE UNIT 308 · same community
3 bd · 2.5 ba · 2,029 sqft · $138/sqft · 26 DOM
Sold · Nov ’25$262,000
2511 DOLLY BAY DRIVE UNIT 206 · same community
3 bd · 3 ba · 2,035 sqft · $129/sqft · 9 DOM
Sold · Sep ’25$222,200
2511 DOLLY BAY DRIVE UNIT 301 · same community
3 bd · 3 ba · 2,035 sqft · $109/sqft · 279 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 2599 DOLLY BAY DRIVE UNIT 302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2599 DOLLY BAY DRIVE UNIT 302 — 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
2599 DOLLY BAY DRIVE UNIT 302 FAQs
What would the monthly payment be for 2599 DOLLY BAY DRIVE UNIT 302?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,759/mo — principal and interest, the actual property-tax bill, the $659/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 2599 DOLLY BAY DRIVE UNIT 302?+
The association fee works out to $659 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2599 DOLLY BAY DRIVE UNIT 302?+
The most recent tax bill on record (2025) was $2,394. 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 2599 DOLLY BAY DRIVE UNIT 302?+
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 $275,000, this home is listed about 28% below the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2599 DOLLY BAY DRIVE UNIT 302?+
Highland Lakes 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
Four things that matter here
01Positioned at the premium end
$275,000 runs 10% above the PALM HARBOR 34684 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $659/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
100 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Meghan Iacofano. MLS #TB8502696.
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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