Active
$2,300,000
Est. $14,071/mo

119 Carlyle Cir, Palm Harbor, FL, 34683

$652/sqft·Indian Bluff Island 3rd

4 bd4 ba3,526 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8520908

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

Est. monthly payment
$14,071/mo
Down payment (20%)
$460,000
Property taxes
$918/mo
HOA
$100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1988
Waterfront
Gulf/Ocean
Private pool
Deck
2 car garage
Covered
0.29 acres
Lot size

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsPrimarybedroom UpstairsSaunaSolid Wood CabinetsThermostat

119 Carlyle Cir is a 1988-built home in Indian Bluff Island 3rd Add, Palm Harbor. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,526 square feet of living space. Listed at $2,300,000 (about $652/sqft), 20 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $100 annually.

From the listing

EXTREMELY RARE OPPORTUNITY to Own Your Gulf-Front Dream Home on Indian Bluff Island. This unique island is home to just 168 properties. Situated in the highest phase of the community, 119 Carlyle Circle is a rarity, as it is one of the few homes on the island with DIRECT UNOBSTRUCTED VIEWS of St. Joseph’s Sound and Gulf of Mexico. This spectacular 4-bed/4-bath home spans 3,500 sqft. of open-concept living and affords flexibility to easily customize or expand space on upper and lower levels. Immediately, you’ll be captivated by this home’s abundance of NATURAL LIGHT, soaring ceilings, and elegant wooden staircase. With WATER VIEWS FROM NEARLY EVERY ROOM, the main floor is the hub of the home and perfect for entertaining. The CHEF’S KITCHEN has custom maple wood cabinetry with under cabinet lighting and art-stained glass inserts hand crafted by an HGTV artist! Entertaining is no problem with the generously sized island, and bountiful counter space. New matching GE appliances add functional elegance. The kitchen opens up into a BRIGHT AND SPACIOUS LIVING ROOM. Floor-to-ceiling windows and sliders provide spectacular views of the pool and water. This area is flanked with 2-beds/1 full bath on one side, and 1-bed/1 full bath on the other - the perfect layout for a private retreat for family, friends or another 1st-floor primary suite! Completely UPDATED LAUNDRY room with brand new washer/dryer, upgraded custom laundry vanity w/black stainless-steel sink and faucet. PLENTY OF STORAGE! Just off the laundry room you’ll enjoy the convenience of your OVERSIZED, SIDE ENTRY, 2-CAR GARAGE w/two large storage closets, built-in workbench, generator hook-up and double electrical panel w/room to add more circuits. Upstairs, your PRIVATE PRIMARY BEDROOM SUITE offers more wide open views of St. Joseph’s Sound. Your sanctuary comes complete with a private sitting area, lifetime composite sundeck, generously sized en-suite bathroom w/ jetted soaking tub, sauna, walk-in shower w/built-in seat and private water closet. Adjacent to the primary suite, is an ADDITIONAL UNFINISHED LOFT SPACE (approx. 1,000 sqft) with vaulted ceilings and window that can easily be transformed into more space for the primary suite, additional bed/bath, office or media/game room. Professional landscaping, lighting and pavered driveway and contemporary portico make this home’s CURB APPEAL UNDENIABLE. Boating enthusiasts will love the COVERED DEEP WATER DOCK and remote-controlled 10,000 lb BOAT LIFT featuring brand new stainless-steel motors. Watch the red-orange glow of the sunset over the water from your pool lanai with access to FULL POOL BATH. New marcite, pool pump and raised filter ensure you’ll enjoy your pool for years to come! LOVINGLY MAINTAINED by its long-time owners, this home is secure and private with IMPACT WINDOWS, DOORS & GARAGE DOOR, aluminum fascia, vinyl fenced enclosed backyard and owned security system. Recent upgrades include: Three new ACs (10-yr warr), Fleck water softener, upgraded electric service entrance, and hot water heater (12-yr warr), neutral paint, 6-panel doors, modern trim, ceiling fans and upgraded low-voltage lighting for added ambiance. Indian Bluff Island residents gather for traditions like the annual fishing tournament and other holiday celebrations. Minutes from Pinellas Trail, Wall Springs Park, and Innisbrook Resort with four world-renowned golf courses. These homes do not come up for sale often - Schedule your private showing today!

The essentials

Built
1988
Price / sqft
$652
On market
81 days
Annual tax
$11,016
HOA
$100/yr
Flood zone
AE
Lot
12,828 sqft
Type
Single Family Residence

Location

119 Carlyle Cir
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1988
Lot
12,828 sqft
Cooling
Central Air
Heating
Central
Parking
Covered, Driveway, Garage Door Opener, Garage Faces Side, On Street, Oversized, Portico
Pool
Deck, Gunite, In Ground, Outside Bath Access
Waterfront
Gulf/Ocean, Intracoastal Waterway
Days on Market
81
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Primarybedroom Upstairs
Sauna
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Window Treatments
Balcony
Hurricane Shutters
Lighting
Private Mailbox
Sliding Doors
Street Lights
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Microwave
Range
Refrigerator
Trash Compactor
Washer
Water Softener

Elementary

Sutherland Elementary-PN

Middle

Palm Harbor 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 AE

Annual Tax (2026)

$11,016

Parcel #

27-27-15-42678-000-0100

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

Indian Bluff Island 3rd Add

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

12,828 sqft

Flood Insurance RequiredFloodZoneCity LimitsNear Golf CourseStreet Dead-EndPavedUnincorporated
HOA
$100/yr
Date
Event
Price
7/12/2026
Price change
Source: Stellar MLS #TB8520908
$2,300,000-11.5%
$652/sqft
6/22/2026
Listed for sale
Source: Stellar MLS #TB8520908
$2,599,999+246.7%
$737/sqft
12/1/2000
Sold
Source: Pinellas County Public Record
$750,000
$213/sqft
Est. monthly payment$14,072/mo
Principal & interest$11,995
Property taxes$918
Insurance$1,150
HOA$8
Down payment20% · $460,000
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: $2,300,000
$2.27M – $2.30M
98.7% – 100% of listTops out right at the list price
80% of listList price
63 of the last 124 home closings in 34683 landed at this number or higher (51%). The median one sat 26 days before it went under contract, and this one is on day 81 after a $299,999 cut.

Sample: 124 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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