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126 Old Oak Cir, Palm Harbor, FL, 34683

$303/sqft·Oak Trail

4 bd4 ba3,220 sqft3 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8526254

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Est. monthly payment
$6,652/mo
Down payment (20%)
$195,000
Property taxes
$1,015/mo
HOA
$766.5/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1989
Private pool
Salt Water
3 car garage
Driveway
0.27 acres
Lot size
3,220 sqft
Living area

About this home

Crown MoldingHigh CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorSplit BedroomDog RunPrivate MailboxRain Gutters

126 Old Oak Cir is a 1989-built home in Oak Trail, Palm Harbor. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,220 square feet of living space. Listed at $975,000 (about $303/sqft), 61 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $766.5 annually.

From the listing

Luxury Living in Oak Trail | Palm Harbor Fully Renovated Pool Home Owner has bought a new house and motivated to sell, will be considering all offers! Welcome to 126 Old Oak Circle, the former model home in one of Palm Harbor’s most desirable communities. Set on a spacious quarter-acre lot, this beautifully renovated 4-bedroom, 3.5-bath residence offers timeless style, modern comfort, and luxury finishes throughout, with a layout designed for both everyday living and effortless entertaining. From the moment you enter, soaring ceilings and abundant natural light create an open, airy feel throughout the home. The main living area is anchored by a striking designer-tiled fireplace, adding warmth and sophistication to the heart of the home, while the complete top-to-bottom renovation ensures every detail feels fresh, refined, and move-in ready. The chef’s kitchen is equally impressive, featuring twin cooking islands with sinks, a walk-in pantry, and a twin freezer/refrigerator setup. Seamlessly connected to the living and dining spaces, this kitchen is ideal for hosting gatherings or enjoying quiet nights at home. The primary suite is a true retreat, complete with a spa-inspired bathroom offering an oversized walk-in shower, soaking tub, dual vanities, and his-and-hers closets. An additional oversized walk-in closet provides flexible space that can easily function as a home office, nursery, fitness room, or dressing suite. Each of the 3.5 bathrooms has been thoughtfully designed with custom tile, stylish fixtures, and distinctive finishes, giving every space its own character while maintaining a cohesive luxury feel throughout the home. Additional upgrades include a newer HVAC system, newer water heater, updated windows throughout, and a tile roof, all contributing to the home’s comfort, efficiency, and lasting appeal. Step outside to your own private Florida oasis. The screened lanai, pool, and spa create the perfect setting for relaxing or entertaining, while the expansive outdoor space offers plenty of room to design the outdoor kitchen of your dreams. A 3-car garage adds even more convenience, with one bay converted into a climate-controlled game room or flexible living space, making this home as functional as it is beautiful. Ideally located just minutes from top-rated Palm Harbor schools, shopping, dining, golf courses, parks, and the Gulf beaches, this exceptional home delivers the perfect blend of luxury, comfort, and convenience. If you’ve been searching for a fully renovated pool home with luxury finishes, a screened lanai, a chef’s kitchen, and an unbeatable Palm Harbor location, 126 Old Oak Circle is the one you’ve been waiting for.

The essentials

Built
1989
Price / sqft
$303
On market
64 days
Annual tax
$12,183
HOA
$766.5/yr
Flood zone
X · Low risk
Lot
11,827 sqft
Type
Single Family Residence

Location

126 Old Oak Cir
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1989
Lot
11,827 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Oversized
Pool
Salt Water
Days on Market
64
Crown Molding
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Split Bedroom
Dog Run
Private Mailbox
Rain Gutters
Sidewalk
Dishwasher
Electric Water Heater
Microwave
Refrigerator
Water Filtration System
Water Purifier

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 X

Annual Tax (2025)

$12,183

Parcel #

07-28-16-63582-000-0040

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

Oak Trail

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

11,827 sqft

HOA
$766.5/yr
Oak trail-Sentry MGT
Date
Event
Price
7/31/2026
Price change
Source: Stellar MLS #TB8526254
$975,000-2.0%
$303/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #TB8526254
$995,000
$309/sqft
Est. monthly payment$6,652/mo
Principal & interest$5,085
Property taxes$1,015
Insurance$488
HOA$64
Down payment20% · $195,000
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: $975,000
$960,000 – $975,000
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 64 after a $20,000 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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