3638 TRAFALGAR WAY UNIT 102, PALM HARBOR, FL, 34685
Active5 days on marketListed Jul 31, 2026MLS #TB8531295
About this home
3638 TRAFALGAR WAY UNIT 102
Welcome to this beautifully updated 3-bedroom, 2.5-bath, 1 car garage, townhome-style condominium located in the desirable East Lake Corridor of Palm Harbor. Situated within a gated community, this home offers a functional layout, quality updates, and low-maintenance living. The interior features an updated kitchen, renovated bathrooms, plantation shutters, updated windows, and an open living area designed for everyday living and entertaining. The spacious primary suite and two additional bedrooms provide flexibility for guests, a home office, or family living. Additional features include an attached one-car garage with a washer and dryer, offering added convenience and storage. Community amenities include a community swimming pool with spa, fitness center, library, pool room and beautifully maintained grounds. Conveniently located near top-rated schools, shopping, dining, golf courses, parks, Lake Tarpon, the Pinellas Trail, and Gulf beaches, with easy access to Tampa, Clearwater, and St. Petersburg. Move-in ready and ideally located, this home offers an excellent opportunity to enjoy everything the East Lake area has to offer.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,559
Sqft
39.43 ac
Lot size
1
Garage
2002
Year built
Two
Levels
$205
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.
$3,202 /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
$3,202/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
+13.2%
$/sqft vs Palm Harbor actives
$205 vs $266
Days on market
5 vs 48 typical
Where $205/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 — neighborhood snapshot
Population
869
Median age
40
Median income
$63,571
Median home value
$298,400
Avg household
2
Households w/ children
127
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)
216 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 11% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3638 TRAFALGAR WAY UNIT 102
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$320,000
3482 KINGS ROAD UNIT 102 · same community
3 bd · 2.5 ba · 1,559 sqft · $205/sqft · 60 DOM
Sold · Mar ’26$286,000
3605 KINGS ROAD UNIT 103 · same community
3 bd · 2.5 ba · 1,559 sqft · $183/sqft · 4 DOM
Sold · Jul ’26$245,000
3673 KINGS ROAD UNIT 102 · same community
3 bd · 2.5 ba · 1,559 sqft · $157/sqft · 289 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 3638 TRAFALGAR WAY UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3638 TRAFALGAR WAY UNIT 102 — 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
3638 TRAFALGAR WAY UNIT 102 FAQs
What would the monthly payment be for 3638 TRAFALGAR WAY UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,202/mo — principal and interest, the actual property-tax bill, the $598/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 3638 TRAFALGAR WAY UNIT 102?+
The association fee works out to $598 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3638 TRAFALGAR WAY UNIT 102?+
The most recent tax bill on record (2025) was $5,026. 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 3638 TRAFALGAR WAY UNIT 102?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $320,000, this home is listed about 16% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3638 TRAFALGAR WAY UNIT 102?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PALM HARBOR 34685 market on paper
$320,000 is 11% below the PALM HARBOR 34685 median of $359,450, and at $205/sqft it sits under the Palm Harbor average of $273.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $598/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 48 — if it fits, move quickly.
05Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Julie Incremona. MLS #TB8531295.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 3638 TRAFALGAR WAY UNIT 102 but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →