2876 LAKE VALENCIA BOULEVARD E, PALM HARBOR, FL, 34684
Active18 days on marketListed Jul 15, 2026MLS #TB8525279
About this home
2876 LAKE VALENCIA BOULEVARD E
Imagine starting your morning with a cup of coffee as the sun rises while you overlook the lake, spending your afternoons floating in your private pool, and ending each evening on the upstairs balcony as the sky fills with vibrant Florida sunsets reflecting across the water. This is more than just another home—it’s the lifestyle so many buyers are searching for but so few ever find. Nestled in the highly sought-after Lake Valencia community, this spacious four-bedroom, three full bath home captures everything people love about Florida living. The thoughtful layout offers room for family, guests, and entertaining, while the backyard is designed to become the heart of the home. Whether you’re hosting weekend pool parties, grilling with friends, watching the kids play, or simply enjoying the peaceful sounds of the lake, every day feels like a getaway without ever leaving home. Inside, the freshly painted interior provides a bright, clean canvas ready for your personal touch, while the 2022 roof adds peace of mind for years to come. Located in a non-flood zone, you’ll enjoy all the beauty of waterfront living without the concerns that often come with it. When you’re ready to explore, you’re only minutes from some of Pinellas County’s best destinations. Spend the day at Honeymoon Island State Park, stroll the charming streets of Downtown Palm Harbor, enjoy waterfront dining and fresh seafood, bike the Pinellas Trail, or tee off at the world-famous Innisbrook Golf Resort. From boutique shopping and local breweries to beautiful Gulf beaches just a short drive away, every weekend offers something new to experience. Homes that combine lakefront views, a private pool, a four-bedroom layout, a non-flood location, and one of Palm Harbor’s most desirable communities are becoming increasingly difficult to find. The best homes are the ones buyers regret waiting on, and this is exactly that kind of property. If you’ve been waiting for a home that offers both everyday comfort and the Florida lifestyle you’ve always imagined, don’t wait for someone else to make it theirs. Schedule your private showing today and experience everything this exceptional home has to offer before it’s gone.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,412
Sqft
0.24 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$278
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.
$4,070 /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
$4,070/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
−9.4%
$/sqft vs Palm Harbor actives
$278 vs $259
Days on market
18 vs 42 typical
Where $278/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 Lake Valencia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Valencia — neighborhood snapshot
Population
816
Median age
42
Median income
$103,661
Median home value
$414,522
Avg household
3
Households w/ children
83%
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)
203 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 168% 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 2876 LAKE VALENCIA BOULEVARD E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$645,000
2991 TANGERINE TERRACE · same community
4 bd · 2 ba · 2,388 sqft · $270/sqft · 14 DOM
Sold · Dec ’25$695,000
2864 LAKE VALENCIA BOULEVARD E · same community
5 bd · 2 ba · 2,524 sqft · $275/sqft · 7 DOM
Sold · Nov ’25$490,000
4765 LAKE VALENCIA BOULEVARD W · same community
3 bd · 2 ba · 2,076 sqft · $236/sqft · 173 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 2876 LAKE VALENCIA BOULEVARD E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2876 LAKE VALENCIA BOULEVARD E — 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
2876 LAKE VALENCIA BOULEVARD E FAQs
What would the monthly payment be for 2876 LAKE VALENCIA BOULEVARD E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,070/mo — principal and interest, the actual property-tax bill, the $29/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 2876 LAKE VALENCIA BOULEVARD E?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2876 LAKE VALENCIA BOULEVARD E?+
The most recent tax bill on record (2025) was $175. 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 2876 LAKE VALENCIA BOULEVARD E?+
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 $669,999, this home is listed about 79% 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 2876 LAKE VALENCIA BOULEVARD E?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Countryside High School (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
$669,999 runs 168% above the PALM HARBOR 34684 median — but at 2,412 sqft it's also 65% larger than 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, Countryside High School — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $689,999, now $669,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Mike Sherrard. MLS #TB8525279.
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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