
3259 HILARY CIRCLE UNIT 1C, PALM HARBOR, FL, 34684
Active46 days on marketListed Jun 14, 2026MLS #TB8518759
About this home
3259 HILARY CIRCLE UNIT 1C
Beautifully updated and tucked beneath mature oaks in Highland Lakes, Palm Harbor’s premier 55+ golf course community, this two-bedroom, two-bath villa offers everyday comfort, maintenance-free living, and outstanding resort-style amenities. The home welcomes you in with bright natural light, quality finishes, and thoughtful updates throughout. Hurricane-impact windows add peace of mind, while 3½-inch plantation shutters, large 18-inch tile, engineered hardwood flooring, crown moulding, soft-close cabinetry, and built-in closet systems add style and function. The impressive kitchen features high-end custom solid wood cabinetry, soft-close doors and drawers, granite countertops, stainless steel appliances, and a breakfast bar with pull-up seating that ties into the living and dining areas, creating an easy flow for daily living, casual entertaining, and relaxed gatherings. The primary bedroom offers generous space with two closets, including a walk-in closet, plus an updated ensuite bath with a large double-sink vanity and a tiled walk-in shower with frameless entry, built-in shelf, and seat. Positioned near the front of the home, the second bedroom adds privacy and sits conveniently beside the guest bath. Both bathrooms are updated with soft-close cabinets and drawers, granite countertops, and Glacier Bay fixtures. The dedicated laundry room with storage and utility sink adds everyday convenience. At the back of the home, a sunroom-style flex space features a wall of windows with Key West plantation shutters and a door that opens directly to the paver patio, creating a bright, versatile setting for work-from-home use, morning coffee, reading, or relaxing. The paver patio extends the living space outdoors, shaded by a mature oak and surrounded by landscaping. With room for seating, dining, grilling, and gathering with friends, it offers a serene setting for enjoying the Florida lifestyle. Highland Lakes is known for its exceptional value and active lifestyle. HOA fees include landscaping, building maintenance, trash removal, cable and internet, water and sewer, golf membership with no green fees, and a wide range of amenities. Enjoy lighted tennis and pickleball courts, shuffleboard, two pools, including a geothermal Olympic-sized pool, and a clubhouse with a fitness center, billiards room, and auditorium where clubs meet and events are held, all just a short two-minute walk away. Residents also enjoy access to the Lake Tarpon Lodge with a boat ramp, dock, community pontoon boats, secure RV and boat storage, and more. Located in a non-evacuation flood zone and centrally positioned near shopping, dining, medical facilities, and Gulf of Mexico beaches. Don’t miss out on this exceptional home. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,330
Sqft
2.02 ac
Lot size
1
Garage
1981
Year built
One
Levels
$256
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 — not generic estimates.
$2,647 /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
$2,647/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
+17.4%
$/sqft vs Palm Harbor actives
$256 vs $257
Days on market
46 vs 42 typical
Where $256/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 Highland Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
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)
211 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 36% 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 3259 HILARY CIRCLE UNIT 1C
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$315,000
3259 HILARY CIRCLE UNIT 1A · same community
2 bd · 2 ba · 1,220 sqft · $258/sqft · 235 DOM
Sold · May ’26$160,000
3283 HILARY CIRCLE UNIT 2C · same community
2 bd · 2 ba · 1,000 sqft · $160/sqft · 538 DOM
Sold · Aug ’25$330,000
2692 CEDARBROOKE DRIVE
3 bd · 2 ba · 1,339 sqft · $246/sqft · 27 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 3259 HILARY CIRCLE UNIT 1C — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3259 HILARY CIRCLE UNIT 1C — 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
3259 HILARY CIRCLE UNIT 1C FAQs
What would the monthly payment be for 3259 HILARY CIRCLE UNIT 1C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,647/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3259 HILARY CIRCLE UNIT 1C?+
The most recent tax bill on record (2024) was $4,030. 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 3259 HILARY CIRCLE UNIT 1C?+
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 $339,900, this home is listed about 9% 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 3259 HILARY CIRCLE UNIT 1C?+
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
Three things that matter here
01Positioned at the premium end
$339,900 runs 36% above the PALM HARBOR 34684 median.
02Strong 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.
03The price has already moved
Listed at $349,900, now $339,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Dean Ribble. MLS #TB8518759.
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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