David Ramirez
$1,785,000$1,850,0003 bd3 ba3,378 sqft$528 /sqft$11,378 /mo all-in ↓

3493 SHORELINE CIRCLE, PALM HARBOR, FL, 34684

Active59 days on marketListed May 26, 2026MLS #TB8511432

Reduced $65KWaterfrontPrivate poolSingle Family ResidenceSANCTUARY AT COBBS LANDING THE

About this home

3493 SHORELINE CIRCLE

Virtually Staged. There are places that stop you the moment you arrive. This home is one of them. Wake to sunrises that paint the water gold. Live on 163 feet of private Lake Tarpon waterfront where the view isn't borrowed, it's yours. Every room frames the lake differently. Your view is unobstructed: John Chestnut Sr. Park sits across the water. 3 bedrooms, 3 baths, a bonus room and 3 car-garage. A screened pool with an outdoor kitchen built for entertaining and living. Tree-lined streets anchor you in one of Pinellas County's most cherished communities. A front-row seat to a life most people only imagine. Nestled within the accessible Sanctuary 1 at Cobbs Landing, this home offers the rare combination of privacy, prestige, and connection. The community features tennis courts, basketball court, and a private marina with direct boat ramp access to Lake Tarpon, where boating, water skiing and fishing are enjoyed. Top-rated Palm Harbor schools, 40 minutes to Tampa International Airport, and minutes to Clearwater Beach, world-class dining, golf, and everyday conveniences. Concrete block construction sets this home apart from the wood-frame homes of this community. At 3,378 sq ft, the layout is both generous and intentional. A wood-burning fireplace anchors the family room, which opens to the kitchen and breakfast area in an easy, natural flow, all with uninterrupted waterfront views. A formal living room and dining room offer additional space to gather, entertain, and exhale. Every bedroom, the bonus room, and every principal living space overlooks the lake. Naturally stained oak millwork, six-panel interior doors, and tile and luxury vinyl floors throughout (2024) give the interior a warmth and craftsmanship that feels earned. The kitchen is built for those who cook and those who entertain: granite countertops, Sub-Zero refrigerator, cooktop, double ovens, custom cabinetry, and a bar sink with ample storage throughout. The primary suite is a true retreat: Whirlpool tub, separate shower, private water closet, and dual walk-in closets with custom built-ins. 163 feet of private shoreline, protected by a seawall and open to some of the most breathtaking sunrises in Pinellas County. Bald eagles, great blue herons, and egrets are regular visitors, the kind of wildlife that reminds you how rare this home truly is. 5 sets of hurricane-impact French doors dissolve the line between inside and out, framing the lake and its natural world from every angle. The high velocity screened pool enclosure was designed with an open-view screen system, intentionally chosen to keep the water in frame whether you're swimming, dining, or simply sitting still. A PebbleTec-refinished pool and pavered deck (2019) set the stage, and the lanai kitchen with granite countertops just outside the pass-through window makes it all effortless to entertain. Major Updates & Systems include: Concrete Tile Roof, including a water resistant underlayment (2019). Hurricane-impact windows, exterior doors, all 5 French doors, and reinforced garage doors with vertical hurricane supports. Smartside horizontal lap siding (2014), paver driveway (2022), epoxy garage floor (2024). Two AC systems (2016/2017) with full ductwork replacement (2005). Two water heaters (2023/2017). Water softener with reverse osmosis filtration at kitchen and bar sinks. Dual irrigation systems using well and county water.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,378

Sqft

0.55 ac

Lot size

3

Garage

1987

Year built

One

Levels

$528

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Kitchen Reverse Osmosis System · Microwave · Other · Range Hood · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Thermostat · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Other · Washer Hookup
CoolingCentral Air · Other · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouthwest
ParkingDriveway · Garage Door Opener · Ground Level · Oversized
ExteriorFrench Doors · Irrigation System · Lighting · Other · Rain Gutters · Sidewalk

Community & fees

HOA fee$55/mo
Taxes (2025)$10,340/yr
PetsYes
CommunityBoat Slip · Community Boat Ramp · Dock · Lake · Marina · Private Boat Ramp · Water Access · Waterfront

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Well · Underground Utilities · Water Connected
WaterPublic · Well

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.

$11,378 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,632
PMI (est., until 20% equity)$669
Property tax — 2025 actual bill$862
HOA fee — from the listing$55
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $178,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $178,500
Interest rate6.00%
Loan term

Estimated payment

$11,378/mo

Principal & interest$9,632
PMI (est., until 20% equity)$669
Property taxes (actual bill)$862
HOA / condo fee$55
Est. insurance$160

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.

List $1.8M
$860KedgeAI estimate $976,442 · range $896K$1.1M$1.9M

vs edgeAI estimate

+82.8%

$/sqft vs Palm Harbor actives

$528 vs $259

Days on market

59 vs 42 typical

Where $528/sqft sits among the 400 Palm Harbor actives

106
129
107
33
11
14 · this home
$150–213$213–276$276–339$339–402$402–465$465+

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 Cobb's Landing

Map of 3493 SHORELINE CIRCLE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)37 min
Downtown Tampa41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Cobb's Landing — neighborhood snapshot

Population

2,151

Median age

49

Median income

$120,639

Median home value

$547,537

Avg household

3

Households w/ children

220

For the school run

Pinellas County School District

MiddleJoseph L. Carwise Middle School★★★★
ElementaryHighland Lakes Elementary School★★★★★
HighPalm Harbor University High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$425K$450K

Palm Harbor median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

207 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 629% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,785,000 $65K
May 26, 2026Listed at $1,850,000 · 59 days on market since
1987Built · SANCTUARY AT COBBS LANDING THE

Reality check

What actually sold near 3493 SHORELINE CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3472 SHORELINE CIRCLESold · Jun ’26

$900,000

3472 SHORELINE CIRCLE · same community

4 bd · 3.5 ba · 3,617 sqft · $249/sqft · 49 DOM

1676 ARABIAN LANESold · Sep ’25

$500,000

1676 ARABIAN LANE

4 bd · 4.5 ba · 3,160 sqft · $158/sqft · 58 DOM

1710 LAGO VISTA BOULEVARDSold · Sep ’25

$640,000

1710 LAGO VISTA BOULEVARD

3 bd · 3.5 ba · 3,633 sqft · $176/sqft · 53 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3493 SHORELINE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3493 SHORELINE CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

3493 SHORELINE CIRCLE FAQs

What would the monthly payment be for 3493 SHORELINE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,378/mo — principal and interest, the actual property-tax bill, the $55/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 3493 SHORELINE CIRCLE?+

The association fee works out to $55 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3493 SHORELINE CIRCLE?+

The most recent tax bill on record (2025) was $10,340. 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 3493 SHORELINE CIRCLE?+

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 $1,785,000, this home is listed about 376% 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 3493 SHORELINE CIRCLE?+

Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — 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

$1,785,000 runs 629% above the PALM HARBOR 34684 median — but at 3,378 sqft it's also nearly twice the size of the typical Palm Harbor listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,850,000, now $1,785,000 — a $65K cut. The full history is in the market section below.

Listing courtesy of DALTON WADE INC · Shannon Ibrahim. MLS #TB8511432.

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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