3992 Orchard Hill Cir, photo 1
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Overview

3 bd3 ba2,018 sqft2 car garageSingle Family
TypeSingle Family
HOA$215/yr
Built1979
Lot8,085 sqft
Living area2,018 sqft
Price / sqft$286
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsOpen FloorplanPrimarybedroom UpstairsStone CountersThermostatWalk-in Closet(s)

3992 Orchard Hill Cir is a 1979-built home in Lake St George-unit 1, Palm Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,018 square feet of living space. Listed at $578,000 (about $286/sqft), 17 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $215 semi-annually.

From the listing

Move-in ready in Palm Harbor’s Lake St. George community! This spacious two-story, 3-bedroom, 2.5-bath home offers 2,018 sq. ft. of comfortable living space, a private screened-in pool, and a peaceful conservation backdrop with no immediate rear neighbor. The pool features a safety fence and full screened enclosure, creating an inviting space for relaxing, entertaining, and enjoying Florida living year-round. Inside, you'll find a functional floor plan with a full laundry room and a spacious kitchen offering abundant cabinet space and a built-in calendar/organization area. Major updates include an A/C replaced approximately 2 years ago, water heater approximately 4 years ago, and updated windows and doors approximately 5 years ago, valuable improvements for today's buyer. Location is a standout! Enjoy convenient access to Downtown Palm Harbor, local parks, shopping, dining, and some of Pinellas County's most popular Gulf Coast destinations, including Honeymoon Island and Caladesi Island. If you've been searching for a move-in-ready 3-bedroom pool home in Palm Harbor with over 2,000 sq. ft., updated major systems, and a conservation view, see why this home checks the boxes.

The essentials

Built
1979
Price / sqft
$286
On market
17 days
Annual tax
$7,797
HOA
$215/yr
Flood zone
X · Low risk
Lot
8,085 sqft
Type
Single Family Residence

At a glance

Single family
Built 1979
Private pool
In Ground
2 car garage
Driveway
8,085 sqft lot
Lot size
2,018 sqft
Living area

Payment

Est. monthly payment
$3,972/mo
Down payment (20%)
$115,600
Property taxes
$650/mo
HOA
$215/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1979
Lot
8,085 sqft
Cooling
Central Air
Heating
Baseboard, Central, Electric, Exhaust Fan
Parking
Driveway
Pool
In Ground
Days on Market
17
Ceiling Fans(s)
Crown Molding
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Private Mailbox
Private Yard
Rain Gutters
Sidewalk
Sprinkler Metered
Storage
Pool
Sidewalks
Tennis Court(s)
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,797
Parcel #
08-28-16-48763-003-0030

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
Lake St George-unit 1
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
8,085 sqft
Conservation Area
HOA
$215/yr
Lake St. George

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #TB8547666
$578,000
$286/sqft

Neighborhood

3992 Orchard Hill Cir
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $578,000
$570,000 – $578,000
98.4% – 100% of listTops out right at the list price
80% of listList price
70 of the last 139 home closings in 34684 landed at this number or higher (50%). The median one sat 19 days before it went under contract, and this one is on day 17.

Sample: 139 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,971/mo
Principal & interest$3,015
Property taxes$650
Insurance$289
HOA$18
Down payment20% · $115,600
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

$578,000

$286 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,018 sq ft

Time on market

17 days

Year built

1979

Monthly payment

About $3,972/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,797 annual tax bill, insurance, and the $215/yr HOA fee.

HOA fee

$215/yr

Managed by Lake St. George.

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 byCOLDWELL BANKER REALTYListing agent: Jasmin GonzalezListing data from Stellar MLS, MLS# TB8547666.

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