3969 TALAH DRIVE, PALM HARBOR, FL, 34684
Active31 days on marketListed Jun 24, 2026MLS #TB8522671
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Upcoming open house
Sat, Jul 25
11:00 AM – 1:00 PM
About this home
3969 TALAH DRIVE
Tastefully remodeled and designed for entertaining, this stunning 4-bedroom, 2-bath home offers the perfect blend of modern luxury and Florida living. The open-concept floor plan creates a seamless flow between the living, dining, and kitchen areas, making it ideal for hosting everything from intimate gatherings to large celebrations. At the heart of the home is a spectacular chef’s kitchen featuring custom cabinetry, premium countertops, stainless steel appliances, a spacious center island, and abundant storage and prep space. The inviting living spaces are filled with natural light and thoughtfully designed to encourage connection and comfort. Every detail has been carefully updated with tasteful finishes, luxury flooring, designer lighting, and beautifully remodeled bathrooms, creating a truly turnkey home. The split-bedroom layout provides privacy and flexibility, while the spacious primary suite serves as a relaxing retreat. Located just minutes from Lake Tarpon, one of Pinellas County's premier destinations for boating, fishing, watersports, waterfront dining, and outdoor recreation, this home offers an exceptional lifestyle both on and off the water. Enjoy easy access to parks, golf courses, shopping, dining, and Florida's beautiful Gulf Coast beaches. Situated within a district known for its top-rated schools, this home combines an outstanding location with everyday convenience. Whether you're entertaining guests, spending the day on the water, or enjoying the Florida sunshine, this beautifully remodeled home offers the lifestyle you've been waiting for.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,590
Sqft
0.25 ac
Lot size
2
Garage
1989
Year built
One
Levels
$330
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.
$6,180 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,180/mo
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.
vs edgeAI estimate
+9.9%
$/sqft vs Palm Harbor actives
$330 vs $260
Days on market
31 vs 42 typical
Where $330/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)
214 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 246% 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 3969 TALAH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$670,000
3909 TALAH DRIVE · same community
4 bd · 3 ba · 2,450 sqft · $273/sqft · 2 DOM
Sold · May ’26$835,000
3897 TALAH DRIVE · same community
4 bd · 3 ba · 2,275 sqft · $367/sqft · 5 DOM
Sold · Dec ’25$625,000
3901 TARIAN COURT · same community
3 bd · 2 ba · 2,244 sqft · $279/sqft · 79 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 3969 TALAH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3969 TALAH DRIVE — 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
3969 TALAH DRIVE FAQs
What would the monthly payment be for 3969 TALAH DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,180/mo — principal and interest, the actual property-tax bill, the $60/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 3969 TALAH DRIVE?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3969 TALAH DRIVE?+
The most recent tax bill on record (2025) was $12,315. 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 3969 TALAH DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $855,000, this home is listed about 128% 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 3969 TALAH DRIVE?+
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
$855,000 runs 246% above the PALM HARBOR 34684 median — but at 2,590 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Silvia Giorgi. MLS #TB8522671.
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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