205 Somerset Ln, photo 1
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Overview

2 bd3 ba1,150 sqftTownhouse
TypeTownhouse
HOA$475/mo
Built1983
Living area1,150 sqft
Price / sqft$174

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About this home

Living Room/Dining Room ComboLightingPoolDishwasherDisposalElectric Water HeaterMicrowaveRange

205 Somerset Ln is a 1983-built home in Villas Of Somerset Woods Condo The, Palm Harbor. Inside you'll find 2 bedrooms, 3 bathrooms, and 1,150 square feet of living space. Listed at $199,999 (about $174/sqft), 129 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $475 monthly.

From the listing

Welcome to the Villas of Somerset Woods—your beautifully renovated 2-bed, 2.5-bath SANCTUARY tucked inside a quiet cul-de-sac community. This charming townhome with a covered carport offers the perfect blend of comfort, style, and convenience. Step inside to an open-concept first floor filled with natural light, featuring a spacious living area anchored by a cozy wood-burning fireplace. The fully updated kitchen shines with luxurious quartz countertops, modern cabinetry, premium stainless-steel appliances, and a breakfast bar ideal for casual dining. A convenient half bath and an oversized laundry room complete the main level. Upstairs, you’ll find two generously sized bedrooms, each with its own updated bathroom, including a primary suite with a private balcony—a peaceful spot to unwind. Enjoy exceptional storage with two exterior storage closets, one on each floor. Relax and recharge at the sparkling community pool, just steps from your front door. All of this in a prime Palm Harbor location minutes from beautiful beaches, parks, shopping, dining, and major airports. A rare opportunity to own a stylishly updated townhome in a serene, well-kept community—this one checks all the boxes. **Although this home is a townhome, it is located within a condo community and is not eligible for FHA/VA financing.**

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The essentials

Built
1983
Price / sqft
$174
On market
129 days
Annual tax
$2,996
HOA
$475/mo
Flood zone
X · Low risk
Type
Townhouse

At a glance

Townhouse
Built 1983
Community pool
Shared amenity
1,150 sqft
Living area

Payment

Est. monthly payment
$1,868/mo
Down payment (20%)
$40,000
Property taxes
$250/mo
HOA
$475/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1983
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
129
Living Room/Dining Room Combo
Lighting
Pool
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$2,996
Parcel #
07-28-16-94147-002-0090

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
Villas Of Somerset Woods Condo The
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
-
HOA
$475/mo
Stephanie Moore

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #TB8515153
$199,999-16.7%
$174/sqft
-
Price change
Source: Stellar MLS #TB8515153
$239,999-11.1%
$209/sqft
6/4/2026
Listed for sale
Source: Stellar MLS #TB8515153
$269,999
$235/sqft

Neighborhood

205 Somerset Ln
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $199,999
$197,500 – $199,999
98.8% – 100% of listTops out right at the list price
80% of listList price
33 of the last 65 townhouse or villa closings in 34684 landed at this number or higher (51%). The median one sat 34 days before it went under contract, and this one is on day 129 after a $70,000 cut.

Sample: 65 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,868/mo
Principal & interest$1,043
Property taxes$250
Insurance$100
HOA$475
Down payment20% · $40,000
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 includes any condo dues 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

$199,999

$174 per sq ft

Beds and baths

2 beds, 3 baths

Size

1,150 sq ft

Time on market

129 days

Year built

1983

Monthly payment

About $1,868/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,996 annual tax bill, insurance, and the $475/mo HOA fee.

HOA fee

$475/mo

Managed by Stephanie Moore.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered bySANCTUARY REAL ESTATE GROUP, LLCListing agent: Stephanie BellListing data from Stellar MLS, MLS# TB8515153.

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