$699,900
2034 Cindy Circle
Palm Harbor, FL 34683
Listing updated: June 27, 2026 at 2:26 AM ET
Listing courtesy of Future Home Realty Inc · Sherry Feijoo · MLS #TB8523546 · Active · 813-855-4982Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Location Location Location !!! this Beautifully maintained Spanish-style tri-level home sits high and dry like a castle on the hill in Palm Harbor,,, situated on a cul-de-sac this 3 bed 3 full bath and a 2 car garage offers an oversized foyer that flows into a spacious family room with a wood burning fireplace and sliding doors leading out to the pool and screened in patio . on the second level you have a dream updated chef's kitchen with granite counters and plenty of cupboard space plus an eat in dining area, off the kitchen you have your formal dining and living room space with soaring cathedral ceilings and solid wood beams , the arched entries provide unique character and style, the third floor master bedroom retreat has a private en-suite with an updated bathroom , a large walk in shower, and granite counter tops,,,, there is also a bonus second closet with tons of storage space , there is a walk out patio deck off the master to sit and watch the sunsets and unwind at the end of the day, additional updates include a custom staircase , newer fans , lighting /interior doors , baseboards vinyl fenced yard, custom built in closets in all bedrooms and additional insulation under the home , the backyard is a tropical oasis with a inground pool and spa just added a few years ago, the corner lot is oversized and offers plenty of room for entertaining ,,,, minutes to top rated beaches , Pinellas trail, retail shops , medical facilities and zoned for top rated schools. Call to schedule your showing soon as this gem won't last long !!!! ALL furnishings and accessories as shown are negotiable
Local Insight
At $320/sqft for a 1981 home, you're paying a premium that hinges entirely on the pool and location in Spanish Oaks rather than updated systems or modern finishes, so factor in what a 40+ year old house typically needs soon (roof, HVAC, plumbing). The tight 0.19-acre lot and modest HOA actually work in your favor here—low fees and no room for major expansion means your investment is capped, but that also limits your exit strategy if the neighborhood softens. The non-flood zone is genuine value for Palm Harbor, but walk the property carefully with a contractor to see if that pool is an asset or a $15k-30k liability.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history0 days on market
- Status: ActiveJun 27, 2026
- Listed$699,900Jun 27, 2026
- Price increased$699,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Spanish Oaks
- County
- Pinellas
- Year built
- 1981
- Living area
- 2,187 sq ft
- Price/sq ft
- $320
- Building area
- 2,934 sq ft (Public Records)
- Lot size
- 8,429 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12103C0086G)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $8,922 (2025)
- Parcel #
- 13-28-15-84574-000-0080
- Zoning
- R-2
- MLS #
- TB8523546
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Laminate, Tile
- Appliances
- Dryer, Microwave, Range, Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s)
- Laundry
- Inside
- Stories / Levels
- Three Or More
- Direction faces
- West
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central, Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $150 / Annually
- Monthly HOA
- $13/mo
- Total monthly fees
- $13/mo
- Total annual fees
- $150
- HOA name
- Spanish Oaks HOA
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please confirm directly with association
Exterior & Construction
- Exterior features
- Balcony, Rain Gutters, Sliding Doors
- Construction materials
- Block, Stone, Stucco
- Roof
- Tile
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Bedroom 2 | Third | 16x10 |
| Bedroom 3 | Third | 10x13 |
| Kitchen | Second | 13x16 |
| Dining Room | Second | 11x13 |
| Family Room | First | 23x12 |
| Primary Bedroom | Third | 19x12 |
| Living Room | Second | 15x13 |
Listing Details
- Listing date
- 2026-06-26
- On market date
- 2026-06-27
- Original list price
- $699,900
- Occupant type
- Vacant
- MLS area
- 34683 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-06-27
- Tax legal description
- SPANISH OAKS UNIT ONE LOT 8
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Belcher North to Curlew, west on curlew, right on Spanish Oaks , right on Cindy Circle
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 27, 2026 at 2:26 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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