
3493 SHORELINE CIRCLE, PALM HARBOR, FL, 34684
Active59 days on marketListed May 26, 2026MLS #TB8511432
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
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.
$11,378 /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
$11,378/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
+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
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
Drive times from this address
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
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)
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
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.
Sold · Jun ’26$900,000
3472 SHORELINE CIRCLE · same community
4 bd · 3.5 ba · 3,617 sqft · $249/sqft · 49 DOM
Sold · Sep ’25$500,000
1676 ARABIAN LANE
4 bd · 4.5 ba · 3,160 sqft · $158/sqft · 58 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3493 SHORELINE CIRCLE — start here.

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.
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.
Keep looking
Similar homes nearby
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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