133 STAFFORD CIRCLE, PALM HARBOR, FL, 34684
Active17 days on marketListed Jul 12, 2026MLS #TB8528365
About this home
133 STAFFORD CIRCLE
OH MY GOODNESS.... The cutest of the cute... This adorable single family home in sought out spectaculer HIGHLAND LAKES on LAKE TARPON is a 55+Community with FREE 3 EXECUTIVE GOLF courses... waiting just for you! PRIDE OF OWNERSHIP AND VERY WELL MAINTAINED HOME COMES TO MIND WHEN ENTERING THIS HOME.... A charming 2 bedroom, 1.5 bath 1 car garage will check all the boxes...ROOF (2026) ... AIR CONDITIONING (2026)... TANKLESS WATER HEATER (NEWER) ....UPGRADED BREAKER BOX...WATER SOFTENER (NEWER)...CROWN MOLDING IN ALL ROOMS... NEUTRAL COLORS...ALL HURRICANE RESISTANT WINDOWS (NEWER) 2 SCREENED IN FLORIDA ROOMS FOR ENTERTAINING.... DOORS REMOVED TO EXTEND LIVING AREA FOR A FAMILY ROOM...BEAUTIFUL TEXTURED DRIVEWAY ....The backyard has a park like setting with loads of LANDSCAPING for PRIVACY.. FRONT YARD had beautiful lush landscaping too. Driveway has a special look/coating....This wonderful community sits on Lake Tarpon...for pontoon boat rides sign up at Clubhouse once you before a Home Owner here with Lunch at Tarpon Turtle. The Clubhouse has many clubs and amenities for it's residents. Pickelball, tennis, bocce ball, shuffleboard, Men's Club, Women's Club, Water Aerobics, Line Dancing, Yoga. Photography Club, Wood Working, Ceramics Take a tour of Clubhouse at 3300 MacGregor Drive with heated pool and Jazucci The Clubhouse on Lake Tarpon has heated pool too.FREE Boat & RV Storage at this location. Don't miss this opportunity to Own a WONDERFUL home in Highland Lakes. You won't regret it... .
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,230
Sqft
0.18 ac
Lot size
1
Garage
1977
Year built
One
Levels
$300
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.
$3,090 /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
$3,090/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
+8.9%
$/sqft vs HIGHLAND LAKES
$300 vs $263
Days on market
17 vs 42 typical
Where $300/sqft sits among the 24 homes for sale in HIGHLAND LAKES
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)
12 of 24
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% 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 133 STAFFORD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$160,000
10050 LAKE DRIVE · same community
3 bd · 2 ba · 1,248 sqft · $128/sqft · 0 DOM
Sold · Mar ’26$340,000
2949 BRIAR CLIFF DRIVE · same community
2 bd · 2 ba · 1,211 sqft · $281/sqft · 75 DOM
Sold · Nov ’25$385,000
2820 LOMOND DRIVE · same community
2 bd · 2 ba · 1,259 sqft · $306/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 133 STAFFORD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 133 STAFFORD 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.
Straight answers
133 STAFFORD CIRCLE FAQs
What would the monthly payment be for 133 STAFFORD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,090/mo — principal and interest, the actual property-tax bill, the $164/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 133 STAFFORD CIRCLE?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 133 STAFFORD CIRCLE?+
The most recent tax bill on record (2025) was $5,162. 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 133 STAFFORD CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $369,000, this home is listed about 2% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 133 STAFFORD CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$369,000 runs 51% above the PALM HARBOR 34684 median.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
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.
04The price has already moved
Listed at $379,000, now $369,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Ally Gambrel. MLS #TB8528365.
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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