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318 Circle Dr, Palm Harbor, FL, 34683

$360/sqft·Baywood Village

3 bd2 ba2,069 sqft1 car garageSingle Family
Listed by BELLOISE REALTY· Last updated · MLS# TB8527358

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Est. monthly payment
$4,799/mo
Down payment (20%)
$149,000
Property taxes
$535/mo
HOA
$75/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1963
Waterfront
Canal - Saltwater
1 car garage
10,171 sqft lot
Lot size
2,069 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboSplit BedroomWalk-in Closet(s)DishwasherDisposalDryerMicrowave

318 Circle Dr is a 1963-built home in Baywood Village, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,069 square feet of living space. Listed at $745,000 (about $360/sqft), 35 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $75 annually.

From the listing

Experience the ultimate Florida waterfront lifestyle in this beautifully renovated coastal retreat, perfectly situated on an oversized pie-shaped lot at the end of a quiet private cul-de-sac. Boasting more than 155 feet of waterfront, this exceptional property offers direct Gulf access and is a dream come true for boaters, anglers, and anyone who loves life on the water. Step outside to your private backyard paradise featuring a brand-new oversized composite dock complete with a 15,000lb boat lift, making it effortless to launch your next adventure. A new seawall cap provides added peace of mind, while the expansive waterfront offers plenty of room to relax, entertain, and soak in the coastal scenery. Inside, this home has been completely transformed with quality updates throughout. Major improvements include new roof (2022), new HVAC system and ductwork (2023), double-pane PVC windows and sliding glass doors, luxury vinyl plank flooring throughout, fresh interior paint, a newer paver driveway, a stunning new kitchen, and beautifully updated bathroom vanities. New electric panel August 2026. Don't let the front fool you, this home is remarkably spacious inside. The bright, open floor plan is filled with natural light thanks to walls of sliding glass doors that seamlessly connect the living area to the expansive wraparound screened porch, creating the perfect space for year-round indoor-outdoor entertaining. The thoughtfully designed split-bedroom layout provides privacy for family and guests. The oversized primary bedroom serves as a peaceful retreat, featuring a custom walk-in closet and a beautifully appointed en-suite bath with dual vanities. The heart of the home is the open-concept kitchen, complete with granite countertops, a center island, abundant cabinetry, and a layout designed for gathering with family and friends. Location is everything, and this home truly has it all. Enjoy direct Gulf access for boating, fishing and diving enthusiasts. You're also less than an hour from two major airports, making travel convenient for full-time residents and seasonal homeowners alike. Surrounded by some of Pinellas County's most desirable destinations, you'll be just minutes from the historic Tarpon Springs Sponge Docks, vibrant downtown Dunedin, Palm Harbor, Ozona, Crystal Beach, Honeymoon Island, Caladesi Island, and countless waterfront restaurants, parks, beaches, and shopping destinations. Every nearby community offers its own unique charm and coastal character. The neighborhood enhances the lifestyle even further with a private community boat ramp and direct access to the Pinellas Trail, perfect for biking, walking, and enjoying Florida's beautiful outdoors. Whether you're searching for a full-time waterfront residence, a seasonal escape, or the perfect place to enjoy boating and coastal living, this exceptional property delivers it all. Florida waterfront living truly doesn't get any better than this. Boat and trailer may be available for purchase separately and can be negotiated as part of the sale.

The essentials

Built
1963
Price / sqft
$360
On market
50 days
Annual tax
$6,424
HOA
$75/yr
Flood zone
AE
Lot
10,171 sqft
Type
Single Family Residence

Location

318 Circle Dr
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1963
Lot
10,171 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal - Saltwater
Days on Market
50
Ceiling Fans(s)
Living Room/Dining Room Combo
Split Bedroom
Walk-in Closet(s)
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$6,424

Parcel #

23-27-15-05814-000-1190

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

Baywood Village

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

10,171 sqft

City LimitsStreet Dead-EndPaved
HOA
$75/yr
Date
Event
Price
7/23/2026
Listed for sale
Source: Stellar MLS #TB8527358
$745,000+49.0%
$360/sqft
1/1/2016
Sold
Source: Pinellas County Public Record
$500,000
$242/sqft
Est. monthly payment$4,800/mo
Principal & interest$3,885
Property taxes$535
Insurance$373
HOA$6
Down payment20% · $149,000
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: $745,000
$735,000 – $745,000
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 50.

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

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