3237 MONTROSE CIRCLE, PALM HARBOR, FL, 34684
Active61 days on marketListed May 23, 2026MLS #TB8511743
About this home
3237 MONTROSE CIRCLE
Get ready to move right in to this 4 bedroom, 2 ½ bath pool home with fireplace and two car garage. This house is located on a rare oversized and private lot in the Hamlet at Bentley Park. This home boosts New vinyl siding (2026) New AC system (2026) New Solar Panels (2024) New roof in 2020. The lot has plenty of room for any addition you have in mind and has beautiful mature trees ( plus a Mango tree ) with a fenced backyard, so you may enjoy hosting events in total privacy. This home is bright and airy with cathedral ceilings, skylight, wet bar, and a large eat-in kitchen and large pantry. The master bedroom has beautiful windows with a cozy window seat, and you can spend hours in your master bath with garden tub, shower, and dual sinks. The closet space is a dream with plenty of room for all your accessories. The community is close to the local middle school and located in the desirable Palm Harbor University High School district. It is in a non evacuation zone and close to lake Tarpon. Be prepared to enjoy an abundance of amenities in your new community including tennis courts, community park, community pool with hot tub/spa. This will not last long so call for your appointment now!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,347
Sqft
0.25 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$230
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.
$4,064 /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
$4,064/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
−10.5%
Days on market
61 vs 42 typical
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 Bentley Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Bentley Park — neighborhood snapshot
Population
909
Median age
57
Median income
$111,927
Median home value
$530,398
Avg household
2
Households w/ children
66%
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 120% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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 3237 MONTROSE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3237 MONTROSE 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
3237 MONTROSE CIRCLE FAQs
What would the monthly payment be for 3237 MONTROSE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,064/mo — principal and interest, the actual property-tax bill, the $34/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 3237 MONTROSE CIRCLE?+
The association fee works out to $34 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3237 MONTROSE CIRCLE?+
The most recent tax bill on record (2025) was $5,429. 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 3237 MONTROSE CIRCLE?+
The listing reports pets: Number Limit. 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 $540,000, this home is listed about 44% 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 3237 MONTROSE 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
$540,000 runs 120% above the PALM HARBOR 34684 median — but at 2,347 sqft it's also 60% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $585,000, now $540,000 — a $45K cut. The full history is in the market section below.
Listing courtesy of FUTURE HOME REALTY INC · Jeffrey Wible. MLS #TB8511743.
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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