3638 Trafalgar Way #101, photo 1
Active
1 / 35

Overview

2 bd1 ba1,029 sqft1 car garageCondominium
TypeCondominium
HOA$390/mo
Built2002
Living area1,029 sqft
Price / sqft$238
Garage1 car

Ask anything about this home

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)High CeilingsOpen FloorplanStone CountersVaulted Ceiling(s)Walk-in Closet(s)Window Treatments

3638 Trafalgar Way #101 is a 2002-built home in Waterford At Palm Harbor Luxury Condo, Palm Harbor. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,029 square feet of living space. Listed at $245,000 (about $238/sqft), 131 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $390 monthly.

From the listing

Beautifully updated and move-in ready, this desirable first-floor Palm Harbor condo offers comfort, convenience, and major recent improvements. Enjoy brand-new flooring throughout, a brand-new HVAC system with a 10-year transferable warranty, and a water softener for added everyday comfort. The kitchen has been thoughtfully upgraded with granite countertops and soft-close cabinetry, blending style and functionality. Relax on the screened lanai, recently rescreened along with the windows for a fresh, well-maintained feel. Ideally located near shopping, dining, golf courses, parks, and the Gulf beaches, this home provides low-maintenance Florida living with the peace of mind that comes from significant recent updates already completed.

The essentials

Built
2002
Price / sqft
$238
On market
131 days
Annual tax
$1,987
HOA
$390/mo
Flood zone
AE
Type
Condominium

At a glance

Condo
Built 2002
Water views
Water
Community pool
Fitness center too
1 car garage
Driveway
1,029 sqft
Living area

Payment

Est. monthly payment
$1,956/mo
Down payment (20%)
$49,000
Property taxes
$166/mo
HOA
$390/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2002
Lot
-
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Guest
Days on Market
131
Cathedral Ceiling(s)
Ceiling Fans(s)
High Ceilings
Open Floorplan
Stone Counters
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Buyer Approval Required
Deed Restrictions
Fitness Center
Playground
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$1,987
Parcel #
27-27-16-95060-009-1010

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
Waterford At Palm Harbor Luxury Condo
County
Pinellas
MLS Area
34685 - Palm Harbor
Lot Size
-
HOA
$390/mo
Condominium Associates

Price history

Date
Event
Price
9/15/2026
Price change
Source: Stellar MLS #TB8514773
$245,000-2.0%
$238/sqft
-
Price change
Source: Stellar MLS #TB8514773
$250,000-3.8%
$243/sqft
6/1/2026
Listed for sale
Source: Stellar MLS #TB8514773
$259,900
$253/sqft

Neighborhood

3638 Trafalgar Way #101
Palm Harbor, FL, 34685 · 34685 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $245,000
$240,000 – $245,000
98.5% – 100% of listTops out right at the list price
80% of listList price
9 of the last 16 condo closings in 34685 landed at this number or higher (56%). The median one sat 32 days before it went under contract, and this one is on day 131 after a $14,900 cut.

Sample: 16 closed condo sales in 34685 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,956/mo
Principal & interest$1,278
Property taxes$166
Insurance$123
HOA$390
Down payment20% · $49,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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.

Quick answers.

Price

$245,000

$238 per sq ft

Beds and baths

2 beds, 1 baths

Size

1,029 sq ft

Time on market

131 days

Year built

2002

Monthly payment

About $1,956/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,987 annual tax bill, insurance, and the $390/mo HOA fee.

HOA fee

$390/mo

Managed by Condominium Associates.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS ST PETE REALTYListing agent: Brian BakerListing data from Stellar MLS, MLS# TB8514773.

Keep exploring Florida

Pick up where you left off, or see what else is out there.