3638 TRAFALGAR WAY UNIT 101, PALM HARBOR, FL, 34685
Active54 days on marketListed Jun 10, 2026MLS #TB8514773
About this home
3638 TRAFALGAR WAY UNIT 101
Beautifully updated and move-in ready, this desirable first-floor Palm Harbor condo offers comfort, convenience, and major recent improvements. Enjoy brand-new flooring throughout, a brand-new HVAC system with a 10-year transferable warranty, and a water softener for added everyday comfort. The kitchen has been thoughtfully upgraded with granite countertops and soft-close cabinetry, blending style and functionality. Relax on the screened lanai, recently rescreened along with the windows for a fresh, well-maintained feel. Ideally located near shopping, dining, golf courses, parks, and the Gulf beaches, this home provides low-maintenance Florida living with the peace of mind that comes from significant recent updates already completed.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,029
Sqft
0 ac
Lot size
1
Garage
2002
Year built
One
Levels
$248
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.
$2,330 /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
$2,330/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
+33%
$/sqft vs Palm Harbor actives
$248 vs $261
Days on market
54 vs 48 typical
Where $248/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 Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Palm Harbor — neighborhood snapshot
Population
869
Median age
40
Median income
$63,571
Median home value
$298,400
Avg household
2
Households w/ children
127
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)
203 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 24% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3638 TRAFALGAR WAY UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$200,000
3653 KINGS ROAD UNIT 101 · same community
2 bd · 1 ba · 1,029 sqft · $194/sqft · 278 DOM
Sold · Dec ’25$218,250
3588 WEMBLEY WAY UNIT 101 · same community
2 bd · 1 ba · 1,029 sqft · $212/sqft · 26 DOM
Sold · Mar ’26$255,000
3588 WEMBLEY WAY UNIT 103 · same community
2 bd · 2 ba · 1,154 sqft · $221/sqft · 12 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 3638 TRAFALGAR WAY UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3638 TRAFALGAR WAY UNIT 101 — 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
3638 TRAFALGAR WAY UNIT 101 FAQs
What would the monthly payment be for 3638 TRAFALGAR WAY UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,330/mo — principal and interest, the actual property-tax bill, the $390/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 3638 TRAFALGAR WAY UNIT 101?+
The association fee works out to $390 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3638 TRAFALGAR WAY UNIT 101?+
The most recent tax bill on record (2025) was $1,987. 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 3638 TRAFALGAR WAY UNIT 101?+
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 $255,000, this home is listed about 33% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3638 TRAFALGAR WAY UNIT 101?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise 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
01Under the PALM HARBOR 34685 market on paper
$255,000 is 24% below the PALM HARBOR 34685 median of $335,000, and at $248/sqft it sits under the Palm Harbor average of $272.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $259,900, now $255,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Brian Baker. MLS #TB8514773.
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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