692 BELLINGHAM PLACE, PALM HARBOR, FL, 34684
Active66 days on marketListed May 20, 2026MLS #TB8509972
About this home
692 BELLINGHAM PLACE
Charming Luxury Living in Palm Harbor! Welcome to this beautiful home nestled in one of Palm Harbor’s most desirable and serene enclaves. This property offers the perfect blend of modern comfort, open-concept design, and a prime coastal lifestyle. From the moment you step inside, you will be greeted by bright, sun-drenched living spaces, high ceilings, and premium finishes throughout. The spacious kitchen flows seamlessly into the family room, making it an absolute dream for both daily living and entertaining. Step outside to your private outdoor retreat, ideal for enjoying the gorgeous Florida weather year-round. Situated just minutes from top-rated Pinellas County schools, pristine Gulf beaches, and the vibrant dining and shopping of downtown Palm Harbor and Ozona, this location offers unparalleled convenience, turnkey living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,320
Sqft
0.45 ac
Lot size
2
Garage
1988
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$180 /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
$180/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Palm Harbor actives
$2 vs $260
Days on market
66 vs 42 typical
Where $2/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 Lake St. George
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake St. George — neighborhood snapshot
Population
1,834
Median age
41
Median income
$88,602
Median home value
$343,033
Avg household
3
Households w/ children
251
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 99% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 692 BELLINGHAM PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$425,000
662 BELLINGHAM PLACE · same community
3 bd · 2 ba · 1,320 sqft · $322/sqft · 1 DOM
Sold · Oct ’25$485,000
3436 SHORNCLIFFE LANE · same community
3 bd · 2 ba · 1,576 sqft · $308/sqft · 37 DOM
Sold · Apr ’26$325,000
29747 70TH STREET N
3 bd · 2 ba · 1,313 sqft · $248/sqft · 86 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 692 BELLINGHAM PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 692 BELLINGHAM PLACE — 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
692 BELLINGHAM PLACE FAQs
What would the monthly payment be for 692 BELLINGHAM PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 692 BELLINGHAM PLACE?+
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 $2,800, this home is listed about 99% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 692 BELLINGHAM PLACE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Countryside High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WIKLE INCORPORATED · Darius Daniels. MLS #TB8509972.
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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