248 ST IVES DRIVE UNIT 248, PALM HARBOR, FL, 34684
Active53 days on marketListed Jun 11, 2026MLS #TB8516474
About this home
248 ST IVES DRIVE UNIT 248
Virtually Staged. Charming villa-style condo now available for rent in Palm Harbor! Nestled at the end of a quiet cul-de-sac, this home offers a peaceful setting and a highly convenient location. Inside, you'll find 3 bedrooms, 2 bathrooms, a spacious living room with high ceilings and a wood-burning fireplace, a generous dining area, and a large screened porch perfect for relaxing or entertaining. The kitchen has been updated with beautiful quartz countertops and a new refrigerator, making meal preparation a pleasure. The split-bedroom floor plan provides both privacy and flexibility. The primary suite features dual closets and a walk-in shower. Additional highlights include an indoor laundry area and fresh interior paint throughout, creating a clean, move-in-ready feel. Conveniently located near top-rated schools, shopping, dining, and everyday amenities. Enjoy easy access to the Dunedin Causeway and Honeymoon Island, both just 15 minutes away, while Tampa International Airport is approximately 30 minutes from home. No pets. First month's rent, last month's rent, and security deposit required. Tenant pays electricity, water, Wi-Fi, and renter's insurance. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,350
Sqft
0.08 ac
Lot size
1991
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.
$177 /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
$177/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 $261
Days on market
53 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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,013/mo median
Live Palm Harbor rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Somerset is a short-term-rental community. See the full guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
204 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 248 ST IVES DRIVE UNIT 248
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$299,000
310 WINCHESTER WAY · same community
3 bd · 2 ba · 1,350 sqft · $221/sqft · 5 DOM
Sold · Apr ’26$330,000
2709 PENZANCE STREET · same community
3 bd · 2.5 ba · 1,540 sqft · $214/sqft · 2 DOM
Sold · Apr ’26$325,000
208 ST IVES DR · same community
3 bd · 2.5 ba · 1,590 sqft · $204/sqft · 9 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 248 ST IVES DRIVE UNIT 248 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 248 ST IVES DRIVE UNIT 248 — 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
248 ST IVES DRIVE UNIT 248 FAQs
What would the monthly payment be for 248 ST IVES DRIVE UNIT 248?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/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.
Can 248 ST IVES DRIVE UNIT 248 be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 248 ST IVES DRIVE UNIT 248?+
The listing reports pets: No. 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 $2,300, 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 248 ST IVES DRIVE UNIT 248?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34684 market on paper
$2,300 is 99% below the PALM HARBOR 34684 median of $250,000, and at $2/sqft it sits under the Palm Harbor average of $269.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN LIFE REALTY · Mary White. MLS #TB8516474.
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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