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3948 Orchard Hill Cir, Palm Harbor, FL, 34684

$284/sqft·Lake St George-unit 1

3 bd3 ba2,026 sqft2 car garageSingle Family
Listed by FINE PROPERTIES· Last updated · MLS# A4697490

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$3,912/mo
Down payment (20%)
$114,980
Property taxes
$606/mo
HOA
$248/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1979
2 car garage
8,703 sqft lot
Lot size
2,026 sqft
Living area

About this home

Ceiling Fans(s)High CeilingsLightingSidewalkSliding DoorsMicrowaveRangeRefrigerator

3948 Orchard Hill Cir is a 1979-built home in Lake St George-unit 1, Palm Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,026 square feet of living space. Listed at $574,900 (about $284/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $248 semi-annually.

From the listing

Welcome to this beautifully renovated 3-bedroom home in the highly desirable Lake St. George community, offering the perfect blend of comfort, style, and convenience. Move-in ready and thoughtfully updated throughout. This inviting residence features a stunning remodeled kitchen with modern cabinetry, quartz countertops, and stainless-steel appliances. Designed for both everyday living and entertaining, the spacious kitchen flows seamlessly into the light-filled living and dining areas. Beautiful contemporary flooring extends throughout the main living spaces, creating a cohesive and modern feel. All bathrooms have been tastefully updated with new vanities, stylish fixtures, and fresh finishes. New interior paint and updated lighting throughout the home further enhance its bright and welcoming atmosphere. Additional highlights include an indoor laundry room, direct access to the spacious 2-car garage, and a screened lanai that provides valuable bonus outdoor living space. Step outside to enjoy the generous backyard, ideal for entertaining, family gatherings, play, or simply soaking up Florida’s year-round sunshine. Residents of Lake St. George enjoy access to recently renovated community amenities, including pickleball and tennis courts, basketball courts, a community pool, and a scenic pond with a dock, perfect for embracing the Florida lifestyle. Conveniently located near top-rated schools, downtown Palm Harbor, shopping, dining, parks, and beautiful Gulf Coast beaches, this home offers exceptional value in one of the area's most sought-after communities. Buyers may be eligible for a lender grant funds or down payment assistance programs, making this an outstanding opportunity for qualified purchasers.

The essentials

Built
1979
Price / sqft
$284
On market
84 days
Annual tax
$7,270
HOA
$248/yr
Flood zone
X · Low risk
Lot
8,703 sqft
Type
Single Family Residence

Location

3948 Orchard Hill Cir
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1979
Lot
8,703 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
84
Ceiling Fans(s)
High Ceilings
Lighting
Sidewalk
Sliding Doors
Microwave
Range
Refrigerator
Flood Zone X

Annual Tax (2025)

$7,270

Parcel #

08-28-16-48763-003-0250

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Lake St George-unit 1

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

8,703 sqft

HOA
$248/yr
Ameritic
Date
Event
Price
7/21/2026
Price change
Source: Stellar MLS #A4697490
$574,900-4.2%
$284/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #A4697490
$599,900+64.4%
$296/sqft
10/1/2024
Sold
Source: Pinellas County Public Record
$365,000
$180/sqft
Est. monthly payment$3,912/mo
Principal & interest$2,998
Property taxes$606
Insurance$287
HOA$21
Down payment20% · $114,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $574,900
$565,000 – $574,900
98.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 34684 landed at this number or higher (50%). The median one sat 15 days before it went under contract, and this one is on day 84 after a $25,000 cut.

Sample: 109 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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