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Overview

4 bd4 ba3,526 sqft2 car garageSingle Family
TypeSingle Family
HOA$100/yr
Built1988
Lot12,828 sqft
Living area3,526 sqft
Price / sqft$652
Garage2 car

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

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), 115 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!

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The essentials

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

At a glance

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

Payment

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

Details

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
115
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 file Flood 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

Price history

Date
Event
Price
7/12/2026
Price change
Source: Stellar MLS #TB8520908
$2,300,000-11.5%
$652/sqft
6/17/2026
Listed for sale
Source: Stellar MLS #TB8520908
$2,599,999
$737/sqft

Neighborhood

119 Carlyle Cir
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $2,300,000
$2.26M – $2.30M
98.4% – 100% of listTops out right at the list price
80% of listList price
78 of the last 155 home closings in 34683 landed at this number or higher (50%). The median one sat 26 days before it went under contract, and this one is on day 115 after a $299,999 cut.

Sample: 155 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

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.

Quick answers.

Price

$2,300,000

$652 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,526 sq ft

Time on market

115 days

Year built

1988

Monthly payment

About $14,071/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $11,016 annual tax bill, insurance, and the $100/yr HOA fee.

HOA fee

$100/yr

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?

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Jennifer NeedhamListing data from Stellar MLS, MLS# TB8520908.

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