3500 Magnolia Ridge Cir #405, photo 1
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Overview

2 bd2 ba854 sqftVilla
TypeVilla
HOA$535/mo
Built1985
Lot854 sqft
Living area854 sqft
Price / sqft$205

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorSidewalkCommunity MailboxPoolSidewalksConvection Oven

3500 Magnolia Ridge Cir #405 is a 1985-built home in Magnolia Ridge Condo, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 854 square feet of living space. Listed at $175,000 (about $205/sqft), 78 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $535 monthly.

From the listing

Wow a Countryside Home at this PRICE! This home is NOT located in a FLOOD ZONE! The Location is perfect. This is a dream if you want to live in a great small community in Palm Harbor with close proximity to Downtown DUNEDIN. If you want a second home far away from the snow. This charming, pet friendly, 2 bedroom, 2 bath home is located just off the new Pinellas Trail extension in the wonderful Countryside Community. It has a living room/dining room floor plan with a large fireplace and in unit washer/dryer. While the home maintains much of its original character, it presents a wonderful opportunity for you to add your personal touch and bring your vision to life. The living and dining area has a Cathedral Ceiling and is perfect for your Big Holiday Tree and relaxing or entertaining. The kitchen features ample cabinetry with a pantry and everything you need to feel right at home. This villa is one floor and offers a spacious floor plan featuring a bright living area that opens to a private screened in porch. The primary suite boasts an en-suite bathroom and generous closet space, the second bedroom is ideal for guests or a home office. You can cool off in the impeccable community pool. Magnolia Ridge offers true maintenance-free living with a reasonable HOA that covers internet, cable, water, sewer, trash, exterior insurance, roof maintenance, lawn care, pool upkeep, exterior painting, and more. Magnolia Ridge offers convenient access to Downtown Dunedin, Oldsmar, Downtown Palm Harbor, and local beaches such as Honeymoon Island and Clearwater Beach. It is just an easy ride to St. Petersburg, and Tampa, this home offers the perfect blend of peaceful living and unbeatable convenience. This home has an assigned carport. Pets are limited to up to 25 pounds.

The essentials

Built
1985
Price / sqft
$205
On market
78 days
Annual tax
$435
HOA
$535/mo
Flood zone
X · Low risk
Lot
854 sqft
Type
Villa

At a glance

Villa
Built 1985
Community pool
Shared amenity
Assigned parking
854 sqft
Living area

Payment

Est. monthly payment
$1,572/mo
Down payment (20%)
$35,000
Property taxes
$36/mo
HOA
$535/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1985
Lot
854 sqft
Cooling
Central Air
Heating
Central
Parking
Assigned, Covered, Guest
Days on Market
78
Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Sidewalk
Community Mailbox
Pool
Sidewalks
Convection Oven
Disposal
Dryer
Electric Water Heater
Refrigerator
Washer
Elementary
Curlew Creek Elementary-PN
Middle
Palm Harbor Middle-PN
High
Countryside High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2024)
$435
Parcel #
17-28-16-54441-004-0405

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
Magnolia Ridge Condo
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
854 sqft
SidewalkPaved
HOA
$535/mo
Magnolia Ridge Condominium II C/O Westcoast Manage

Price history

Date
Event
Price
10/3/2026
Price change
Source: Stellar MLS #TB8524729
$175,000-0.6%
$205/sqft
-
Price change
Source: Stellar MLS #TB8524729
$176,000-1.7%
$206/sqft
7/27/2026
Listed for sale
Source: Stellar MLS #TB8524729
$179,000
$210/sqft

Neighborhood

3500 Magnolia Ridge Cir #405
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $175,000
$172,500 – $175,000
98.8% – 100% of listTops out right at the list price
80% of listList price
34 of the last 66 townhouse or villa closings in 34684 landed at this number or higher (52%). The median one sat 34 days before it went under contract, and this one is on day 78 after a $4,000 cut.

Sample: 66 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
$1,571/mo
Principal & interest$913
Property taxes$36
Insurance$88
HOA$535
Down payment20% · $35,000
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

$175,000

$205 per sq ft

Beds and baths

2 beds, 2 baths

Size

854 sq ft

Time on market

78 days

Year built

1985

Monthly payment

About $1,572/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $435 annual tax bill, insurance, and the $535/mo HOA fee.

HOA fee

$535/mo

Managed by Magnolia Ridge Condominium II C/O Westcoast Manage.

Flood zone

Zone X

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

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What should I offer?

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Brokered byTOM TUCKER REALTYListing agent: Donna FriedmanListing data from Stellar MLS, MLS# TB8524729.

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