864 Franklin Cir, photo 1
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Overview

2 bd2 ba1,152 sqft1 car garageSingle Family
TypeSingle Family
HOA$375/mo
Built1988
Lot4,086 sqft
Living area1,152 sqft
Price / sqft$317
Garage1 car

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Saturday, Oct 10 · 2:00 PM to 4:00 PM

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsPrimary Bedroom Main FloorStone CountersThermostatVaulted Ceiling(s)Walk-in Closet(s)

864 Franklin Cir is a 1988-built home in Franklin Square Phase III, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,152 square feet of living space. Listed at $365,000 (about $317/sqft), 58 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $375 monthly.

From the listing

Move-in ready and full of great features, this 2-bedroom, 2-bath Palm Harbor home offers bright, comfortable living spaces from the moment you enter. The kitchen features quartz countertops, a glass tile backsplash, ample cabinetry, and a breakfast nook framed by a large front-facing window. The open living and dining area flows beneath high ceilings, ideal for everyday living and entertaining. The primary suite includes a private en-suite bath, a large walk-in closet, and an oversized window with abundant natural light. The HOA maintains the front and rear lawns, and a wood privacy fence encloses the backyard. Set on a circular cul-de-sac, the home also includes a one-car garage with epoxy flooring. Major updates include a new roof (2023) and impact windows (2018). Community amenities include a pool and a dog park. The home is minutes from Alternate 19, with convenient access to Downtown Palm Harbor and Downtown Dunedin for dining, shopping, and recreation. Appliances convey with the sale; furniture may be available separately.

The essentials

Built
1988
Price / sqft
$317
On market
58 days
Annual tax
$5,268
HOA
$375/mo
Flood zone
X · Low risk
Lot
4,086 sqft
Type
Single Family Residence

At a glance

Single family
Built 1988
Community pool
Shared amenity
1 car garage
4,086 sqft lot
Lot size
1,152 sqft
Living area

Payment

Est. monthly payment
$2,901/mo
Down payment (20%)
$73,000
Property taxes
$439/mo
HOA
$375/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
4,086 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
58
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Yard
Rain Gutters
Community Mailbox
Deed Restrictions
Dog Park
Pool
Sidewalks
Special Community Restrictions
Street Lights
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Lake St George 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.

Flood Zone X
Annual Tax (2025)
$5,268
Parcel #
13-28-15-29379-000-0160

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
Franklin Square Phase III
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
4,086 sqft
Cul-De-SacFloodZoneCity LimitsLandscapedPaved
HOA
$375/mo
Anthony Lovio - Proactive Property Management LLC

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #TB8538394
$365,000-2.7%
$317/sqft
-
Price change
Source: Stellar MLS #TB8538394
$375,000+2.7%
$326/sqft
8/13/2026
Listed for sale
Source: Stellar MLS #TB8538394
$365,000
$317/sqft

Neighborhood

864 Franklin Cir
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $365,000
$360,000 – $365,000
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 58.

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

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Calculator

Est. monthly payment
$2,900/mo
Principal & interest$1,904
Property taxes$439
Insurance$183
HOA$375
Down payment20% · $73,000
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

$365,000

$317 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,152 sq ft

Time on market

58 days

Year built

1988

Monthly payment

About $2,901/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,268 annual tax bill, insurance, and the $375/mo HOA fee.

HOA fee

$375/mo

Managed by Anthony Lovio - Proactive Property Management LLC.

Flood zone

Zone X

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

Offer

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Brokered byBHHS FLORIDA PROPERTIES GROUPListing agent: Noah OwensListing data from Stellar MLS, MLS# TB8538394.

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