Active
$1,249,000
Est. $7,719/mo

3522 Shoreline Cir, Palm Harbor, FL, 34684

$300/sqft·Sanctuary At Cobbs Landing The

4 bd4 ba4,167 sqft3 car garageSingle Family
Listed by HOME SOLD REALTY LLC· Last updated · MLS# TB8467469

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Est. monthly payment
$7,719/mo
Down payment (20%)
$249,800
Property taxes
$529/mo
HOA
$620/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
Private pool
Child Safety Fence
3 car garage
Circular Driveway
0.36 acres
Lot size
4,167 sqft
Living area

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumEat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

3522 Shoreline Cir is a 1987-built home in Sanctuary At Cobbs Landing The, Palm Harbor. Inside you'll find 4 bedrooms, 4 bathrooms, and 4,167 square feet of living space. Listed at $1,249,000 (about $300/sqft), 182 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $620 annually.

From the listing

One or more photos were virtually staged. A rare opportunity to own one of Cobb’s Landing most unique properties. On the market for only the second time. A sprawling 4100 square foot home that includes a guest cottage, In-Law Suite or teen space. Countless unique features curated by Architect James H. Lentz. A perfect home for flexible living and a variety of uses. Move-In Ready updated custom quality built executive residence on conservation lot. This flexible home layout includes 4 bedrooms, 4 full bathrooms, 2 kitchens, 2 laundry rooms and a secondary private entrance for completely private multi-generational living or home office. It is two homes in one; the in-law suite has its own front door entrance, garage, laundry room, kitchen, living room, dining room, door to the pool/patio, and bedroom with en suite bathroom, walk in closet and sitting room. RECENT UPDATES: white quartz countertops and workstation sink in the 2nd kitchen; new quartz countertops, sinks, and hardware in primary bathroom; new flooring, vanity, toilet and quartz countertops in the upstairs bathroom and new carpet in three bedrooms. NEW CONCRETE TILE ROOF 2024 (10 year full warranty) Air Conditioner 2025, Water Heaters 2025, 2026, Refrigerator 2026. 4 point inspection and wind mitigation report completed in August. Enjoy the distinctive architecture with soaring twenty-three foot ceilings in the main home featuring large cedar beams and fieldstone with a triple fireplace as a focal point. Buyers should independently verify flood-zone information and insurance requirements. The private primary suite offers French door access to the backyard and screened covered pool and hot tub. Large double head roman-shower, garden tub, water closet and expansive double closet area, new quartz countertops and sinks. Flexible and spacious living area has room for an office, game room and library. Dining area has wide views of pool and conservation woods. The main open kitchen includes tray ceiling, sky lights, granite countertops, expansive island, a walk in pantry and expanded storage. Abundant natural light throughout the property. There is a full guest bathroom on the main floor. Upstairs has two large bedrooms, one with a fireplace, a bathroom with a roman shower, multiple closets and water view of Lake Tarpon. The separated oversized 2 car and 1 car garages provide space for multiple vehicles and additional storage in a loft/attic combination. Other amenities include intercom system, central vacuum, whole house water softener and charcoal filter. Indoor and outdoor living blend effortlessly with Anderson sliding patio and French doors leading to a covered entertainment area, including a large pool and hot tub. Enjoy nature’s beauty inside and out, including deer and other wildlife. Cobb’s Landing offers a marina, fishing dock, playground, basketball and tennis courts, sidewalks, parks, multiple neighborhood events and area schools. This home sits near some of the areas, most desirable destinations, including Innisbrook Golf Course, Tarpon Springs, Downtown Palm Harbor, Dunedin, and Gulf beaches. Square footage based on an independent appraisal report to be verified by buyer. Virtual floor plans and dimensions are approximate.

The essentials

Built
1987
Price / sqft
$300
On market
232 days
Annual tax
$6,344
HOA
$620/yr
Flood zone
X · Low risk
Lot
15,878 sqft
Type
Single Family Residence

Location

3522 Shoreline Cir
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1987
Lot
15,878 sqft
Cooling
Central Air
Heating
Electric
Parking
Circular Driveway, Driveway
Pool
Child Safety Fence, Deck, Gunite, In Ground, Pool Sweep, Screen Enclosure
Days on Market
232
Built-in Features
Ceiling Fans(s)
Central Vaccum
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Rain Gutters
Sidewalk
Street Lights
Bar Fridge
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
Water Purifier
Water Softener

Elementary

Highland Lakes Elementary-PN

Middle

Carwise Middle-PN

High

Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2024)

$6,344

Parcel #

32-27-16-78612-000-0170

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

Sanctuary At Cobbs Landing The

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

15,878 sqft

Conservation AreaUnincorporated
HOA
$620/yr
Cobb's Landing Community Association, Inc.
Date
Event
Price
6/11/2026
Price change
Source: Stellar MLS #TB8467469
$1,249,000-3.8%
$300/sqft
Price change
Source: Stellar MLS #TB8467469
$1,299,000-6.5%
$312/sqft
1/22/2026
Listed for sale
Source: Stellar MLS #TB8467469
$1,389,000+296.9%
$333/sqft
12/1/2009
Sold
Source: Pinellas County Public Record
$350,000
$84/sqft
Est. monthly payment$7,719/mo
Principal & interest$6,514
Property taxes$529
Insurance$625
HOA$52
Down payment20% · $249,800
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: $1,249,000
$1.23M – $1.25M
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 232 after a $140,000 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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