3500 MAGNOLIA RIDGE CIRCLE UNIT 405, PALM HARBOR, FL, 34684
Active10 days on marketListed Jul 27, 2026MLS #TB8524729
About this home
3500 MAGNOLIA RIDGE CIRCLE UNIT 405
Wow a Countryside Home Reasonably Priced! This Location is perfect. This is a dream if you want to live in close proximity to DUNEDIN or if you want a second home far away from the snow. This charming, pet friendly, 2 bedroom, 2 bath home is located just off the new Pinellas Trail extension in the wonderful Countryside Community. It has a living room/dining room floor plan with a large fireplace and in unit washer/dryer. While the home maintains much of its original character, it presents a wonderful opportunity for you to add your personal touch and bring your vision to life. The living and dining area has a Cathedral Ceiling and is perfect for your Big Holiday Tree and relaxing or entertaining. The kitchen features ample cabinetry with a pantry and everything you need to feel right at home. This villa is one floor and offers a spacious floor plan featuring a bright living area that opens to a private screened in porch. The primary suite boasts an en-suite bathroom and generous closet space, the second bedroom is ideal for guests or a home office. This home is NOT in a Designated Flood Zone. You can cool off in the impeccable community pool. Magnolia Ridge offers true maintenance-free living with a reasonable HOA that covers internet, cable, water, sewer, trash, exterior insurance, roof maintenance, lawn care, pool upkeep, exterior painting, and more. Magnolia Ridge also offers convenient access to Downtown Dunedin, Oldsmar, Downtown Palm Harbor, and local beaches such as Honeymoon Island and Clearwater Beach. It is just an easy ride to St. Petersburg, and Tampa, this home offers the perfect blend of peaceful living and unbeatable convenience. This home has an assigned carport. Pets are limited to up to 25 pounds.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
854
Sqft
0 ac
Lot size
1985
Year built
One
Levels
$210
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.
$1,864 /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
$1,864/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
−2%
$/sqft vs Palm Harbor actives
$210 vs $264
Days on market
10 vs 48 typical
Where $210/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)
219 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 28% 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 3500 MAGNOLIA RIDGE CIRCLE UNIT 405
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$163,000
3500 MAGNOLIA RIDGE CIRCLE UNIT 405 · same community
2 bd · 2 ba · 854 sqft · $191/sqft · 191 DOM
Sold · Jan ’26$140,000
3600 MAGNOLIA RIDGE CIRCLE UNIT 1223 · same community
1 bd · 1.5 ba · 825 sqft · $170/sqft · 34 DOM
Sold · Jul ’26$165,000
3581 MAGNOLIA RIDGE CIRCLE Unit C · same community
2 bd · 2 ba · 1,090 sqft · $151/sqft · 4 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 3500 MAGNOLIA RIDGE CIRCLE UNIT 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 MAGNOLIA RIDGE CIRCLE UNIT 405 — 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
3500 MAGNOLIA RIDGE CIRCLE UNIT 405 FAQs
What would the monthly payment be for 3500 MAGNOLIA RIDGE CIRCLE UNIT 405?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,864/mo — principal and interest, the actual property-tax bill, the $535/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 3500 MAGNOLIA RIDGE CIRCLE UNIT 405?+
The association fee works out to $535 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 MAGNOLIA RIDGE CIRCLE UNIT 405?+
The most recent tax bill on record (2024) was $435. 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 3500 MAGNOLIA RIDGE CIRCLE UNIT 405?+
The listing reports pets: Cats OK, Dogs OK, Size Limit, 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 $179,000, this home is listed about 53% below the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3500 MAGNOLIA RIDGE CIRCLE UNIT 405?+
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
$179,000 is 28% below the PALM HARBOR 34684 median of $250,000, and at $210/sqft it sits under the Palm Harbor average of $272.
02Know the monthly fee
The association fee is $535/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 TOM TUCKER REALTY · Donna Friedman. MLS #TB8524729.
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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