David Ramirez
$2,300,000$2,599,9994 bd4 ba3,526 sqft$652 /sqft$14,359 /mo all-in ↓

119 CARLYLE CIRCLE, PALM HARBOR, FL, 34683

Active31 days on marketListed Jun 22, 2026MLS #TB8520908

Reduced $300KWaterfrontPrivate poolSingle Family ResidenceINDIAN BLUFF ISLAND 3RD ADD

About this home

119 CARLYLE CIRCLE

EXTREMELY RARE OPPORTUNITY to Own Your Gulf-Front Dream Home on Indian Bluff Island. This unique island is home to just 168 properties. Situated in the highest phase of the community, 119 Carlyle Circle is a rarity, as it is one of the few homes on the island with DIRECT UNOBSTRUCTED VIEWS of St. Joseph’s Sound and Gulf of Mexico. This spectacular 4-bed/4-bath home spans 3,500 sqft. of open-concept living and affords flexibility to easily customize or expand space on upper and lower levels. Immediately, you’ll be captivated by this home’s abundance of NATURAL LIGHT, soaring ceilings, and elegant wooden staircase. With WATER VIEWS FROM NEARLY EVERY ROOM, the main floor is the hub of the home and perfect for entertaining. The CHEF’S KITCHEN has custom maple wood cabinetry with under cabinet lighting and art-stained glass inserts hand crafted by an HGTV artist! Entertaining is no problem with the generously sized island, and bountiful counter space. New matching GE appliances add functional elegance. The kitchen opens up into a BRIGHT AND SPACIOUS LIVING ROOM. Floor-to-ceiling windows and sliders provide spectacular views of the pool and water. This area is flanked with 2-beds/1 full bath on one side, and 1-bed/1 full bath on the other - the perfect layout for a private retreat for family, friends or another 1st-floor primary suite! Completely UPDATED LAUNDRY room with brand new washer/dryer, upgraded custom laundry vanity w/black stainless-steel sink and faucet. PLENTY OF STORAGE! Just off the laundry room you’ll enjoy the convenience of your OVERSIZED, SIDE ENTRY, 2-CAR GARAGE w/two large storage closets, built-in workbench, generator hook-up and double electrical panel w/room to add more circuits. Upstairs, your PRIVATE PRIMARY BEDROOM SUITE offers more wide open views of St. Joseph’s Sound. Your sanctuary comes complete with a private sitting area, lifetime composite sundeck, generously sized en-suite bathroom w/ jetted soaking tub, sauna, walk-in shower w/built-in seat and private water closet. Adjacent to the primary suite, is an ADDITIONAL UNFINISHED LOFT SPACE (approx. 1,000 sqft) with vaulted ceilings and window that can easily be transformed into more space for the primary suite, additional bed/bath, office or media/game room. Professional landscaping, lighting and pavered driveway and contemporary portico make this home’s CURB APPEAL UNDENIABLE. Boating enthusiasts will love the COVERED DEEP WATER DOCK and remote-controlled 10,000 lb BOAT LIFT featuring brand new stainless-steel motors. Watch the red-orange glow of the sunset over the water from your pool lanai with access to FULL POOL BATH. New marcite, pool pump and raised filter ensure you’ll enjoy your pool for years to come! LOVINGLY MAINTAINED by its long-time owners, this home is secure and private with IMPACT WINDOWS, DOORS & GARAGE DOOR, aluminum fascia, vinyl fenced enclosed backyard and owned security system. Recent upgrades include: Three new ACs (10-yr warr), Fleck water softener, upgraded electric service entrance, and hot water heater (12-yr warr), neutral paint, 6-panel doors, modern trim, ceiling fans and upgraded low-voltage lighting for added ambiance. Indian Bluff Island residents gather for traditions like the annual fishing tournament and other holiday celebrations. Minutes from Pinellas Trail, Wall Springs Park, and Innisbrook Resort with four world-renowned golf courses. These homes do not come up for sale often - Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,526

Sqft

0.29 ac

Lot size

2

Garage

1988

Year built

Two

Levels

$652

Per sqft

Private poolWaterfrontPool & Water viewNegotiablePets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesCooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range · Refrigerator · Trash Compactor · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · PrimaryBedroom Upstairs · Sauna · Solid Wood Cabinets · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Chute · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationBlock · Slab
ViewPool · Water
FacesSoutheast
ParkingCovered · Driveway · Garage Door Opener · Garage Faces Side · On Street · Oversized · Portico
ExteriorBalcony · Hurricane Shutters · Irrigation System · Lighting · Private Mailbox · Sliding Doors

Community & fees

HOA fee$8/mo
Taxes (2026)$11,016/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

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.

$14,359 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,411
PMI (est., until 20% equity)$863
Property tax — 2026 actual bill$918
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $230,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $230,000
Interest rate6.00%
Loan term

Estimated payment

$14,359/mo

Principal & interest$12,411
PMI (est., until 20% equity)$863
Property taxes (actual bill)$918
HOA / condo fee$8
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $2.3M
$1.1MedgeAI estimate $1,372,849 · range $1.1M$1.5M$2.4M

vs edgeAI estimate

+67.5%

$/sqft vs Palm Harbor actives

$652 vs $258

Days on market

31 vs 42 typical

Where $652/sqft sits among the 400 Palm Harbor actives

150
162
61
15
3
9 · this home
$150–234$234–317$317–401$401–485$485–569$569+

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

Map of 119 CARLYLE CIRCLE

Drive times from this address

Tampa Int’l Airport (TPA)42 min
Downtown Tampa45 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

PALM HARBOR 34683 — neighborhood snapshot

Population

34,180

Median age

47.5

Median income

$90,037

Median home value

$424,200

Avg household

2.46

Households w/ children

3,432

For the school run

Pinellas County School District

ElementaryLake St. George Elementary School★★★★
MiddlePalm Harbor Middle School★★★★
HighPalm Harbor University High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$425K$450K

Palm Harbor median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

208 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 468% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,300,000 $300K
Jun 22, 2026Listed at $2,599,999 · 31 days on market since
1988Built · INDIAN BLUFF ISLAND 3RD ADD

Reality check

What actually sold near 119 CARLYLE CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

116 CARLYLE CIRCLESold · May ’26

$1,760,000

116 CARLYLE CIRCLE · same community

4 bd · 4.5 ba · 3,344 sqft · $526/sqft · 46 DOM

120 CARLYLE CIRCLESold · Dec ’25

$830,000

120 CARLYLE CIRCLE · same community

4 bd · 4 ba · 2,448 sqft · $339/sqft · 85 DOM

121 AUGUSTA AVENUESold · Feb ’26

$1,305,000

121 AUGUSTA AVENUE

4 bd · 4.5 ba · 3,166 sqft · $412/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 119 CARLYLE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 119 CARLYLE 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.

Goes straight to David’s phone and CRM.

Straight answers

119 CARLYLE CIRCLE FAQs

What would the monthly payment be for 119 CARLYLE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,359/mo — principal and interest, the actual property-tax bill, the $8/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 119 CARLYLE CIRCLE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 119 CARLYLE CIRCLE?+

The most recent tax bill on record (2026) was $11,016. 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 119 CARLYLE CIRCLE?+

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 $2,300,000, this home is listed about 513% 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 119 CARLYLE CIRCLE?+

Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), 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

$2,300,000 runs 468% above the PALM HARBOR 34683 median — but at 3,526 sqft it's also nearly 2 times the size of the typical Palm Harbor listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $2,599,999, now $2,300,000 — a $300K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Jennifer Needham. MLS #TB8520908.

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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