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About this home
1131 Orange Tree Cir W #C is a 1983-built home in Orange Tree Villas Condo, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 960 square feet of living space. Listed at $192,777 (about $201/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $550 monthly.
Welcome to 1131 Orange Tree Circle W, Unit C, Palm Harbor, FL 34684 a beautifully maintained 2-bedroom, 2-bath villa with a private garage, located in a desirable 55+ community offering the best of Florida's low-maintenance lifestyle. Thoughtfully updated for comfort and peace of mind, this home features a NEW roof (2025), BRAND NEW A/C system 6/2026, and NEW stainless steel kitchen appliances (2024-2025). The bright kitchen is enhanced by a large illuminated ceiling panel, creating a welcoming and functional workspace. A true highlight of this villa is the private open-air atrium patio, perfectly positioned between the living room and dining area. This unique outdoor retreat creates a beautiful indoor-outdoor flow, making it an ideal place to enjoy your morning coffee, create a lush garden oasis, or unwind beneath the Florida sky. The spacious living and dining areas are designed for comfortable everyday living and effortless entertaining. Both generously sized bedrooms feature dual closets, providing exceptional storage, while the two full bathrooms provide convenience and privacy for homeowners and guests alike. Enjoy the convenience of your own private garage, providing secure parking, additional storage, and protection from the Florida weather. Residents enjoy a wonderful array of community amenities, including a sparkling swimming pool, clubhouse, all designed to encourage an active and social lifestyle. Ideally situated in the heart of Palm Harbor, this home is just minutes from award-winning Gulf beaches, charming downtown areas, excellent restaurants, shopping, golf courses, parks, and everyday conveniences. With major updates already completed including a 2025 roof, Brand New 2026 A/C, 2025 stainless steel appliances, and the added benefit of a private garage this move-in-ready villa offers an exceptional opportunity to enjoy comfortable, carefree Florida living. Schedule your private showing today!
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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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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
$192,777
$201 per sq ft
Beds and baths
2 beds, 2 baths
Size
960 sq ft
Time on market
102 days
Year built
1983
Monthly payment
About $1,696/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $534 annual tax bill, insurance, and the $550/mo HOA fee.
HOA fee
$550/mo
Managed by Orange Villa.
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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