4000 POINCIANA COURT, PALM HARBOR, FL, 34684
Active62 days on marketListed Jun 16, 2026MLS #TB8519249
About this home
4000 POINCIANA COURT
Welcome to this rarely available 3-bedroom, 2-bath end-unit villa nestled within an intimate community of just nine residences in a quiet Palm Harbor enclave. This spacious home offers privacy, comfort, and an exceptional floor plan designed for easy Florida living. Inside, you'll find newer laminate and tile flooring throughout, a beautifully updated kitchen featuring granite countertops, and renovated bathrooms with modern finishes. The generous primary suite includes a versatile bonus room—perfect for a home office, sitting area, fitness space, or nursery. Additional highlights include an interior laundry room with washer and dryer, abundant storage throughout and private storage shed. Enjoy outdoor living from the fenced deck, ideal for entertaining, pets, or relaxing, as well as a charming front patio that welcomes you home. As an end unit, this villa provides added natural light and privacy while offering the low-maintenance lifestyle you've been looking for in one of Palm Harbor's most desirable locations. Ideally located close to shopping, restaurants and convenient commute to Hilsborough, Pinellas and Pasco counties.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,298
Sqft
0.07 ac
Lot size
1984
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
62 vs 50 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.
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 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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
232 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 4000 POINCIANA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$275,000
4016 POINCIANA COURT · same community
2 bd · 2 ba · 1,298 sqft · $212/sqft · 52 DOM
Sold · Sep ’25$400,000
2233 CURLEW ROAD
2 bd · 2 ba · 1,296 sqft · $309/sqft · 51 DOM
Sold · May ’26$380,000
2862 WHITEHALL DRIVE
3 bd · 2 ba · 1,300 sqft · $292/sqft · 1 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 4000 POINCIANA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4000 POINCIANA COURT — 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
4000 POINCIANA COURT FAQs
What would the monthly payment be for 4000 POINCIANA COURT?+
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.
Are pets allowed at 4000 POINCIANA COURT?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit, 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 $2,300, this home is listed about 99% below the Palm Harbor median of $375,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4000 POINCIANA COURT?+
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
Four things that matter here
01Under the PALM HARBOR 34684 market on paper
$2,300 is 99% below the PALM HARBOR 34684 median of $249,958, and at $2/sqft it sits under the Palm Harbor average of $271.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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.
04The price has already moved
Listed at $2,600, now $2,300 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LE REAL ESTATE GROUP · Lea Haverstock. MLS #TB8519249.
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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