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Overview

4 bd3 ba2,198 sqft3 car garageSingle Family
TypeSingle Family
HOA$496.79/yr
Built1993
Lot9,204 sqft
Living area2,198 sqft
Price / sqft$325
Garage3 car

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About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanSplit BedroomStone CountersWalk-in Closet(s)Sidewalk

2656 Saddlewood Ln is a 1993-built home in Bridlewood At Tarpon Woods Ph I, Palm Harbor. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,198 square feet of living space. Listed at $715,000 (about $325/sqft), 21 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $496.79 annually.

From the listing

Welcome to 2656 Saddlewood Lane! This well-maintained 4-bedroom, 3-bath pool home with a 3-car garage is located in the DESIRABLE Bridlewood Community in Palm Harbor. Step inside to a 3-WAY SPLIT FLOOR PLAN offering true separation and privacy. NO CARPET! Luxury vinyl plank flooring in the bedrooms provides style and easy maintenance. The UPDATED SOPHISTICATED KITCHEN features 42-inch White Wood Cabinetry, GORGEOUS Quartz Countertops, stainless steel appliances, and Upgraded Lighting, creating a TRUE CHEF’S DELIGHT! The home also features 2 UPDATED BATHROOMS, a TILE ROOF approximately 12 years old, and a NEWER HVAC installed in 2024. Step outside to your private Florida retreat featuring a BEAUTIFULLY REDONE POOL with Pebble Tech finish, a completely REDONE POOL DECK, screened lanai, and NEWER WHITE VINYL FENCING surrounding the backyard for added PRIVACY. Conveniently located near shopping, dining, parks, beaches, and highly rated area schools. With its SPACIOUS split floor plan, UPDATED kitchen and baths, 3-car garage, private backyard, and beautiful pool area, this Palm Harbor home belongs on your MUST-SEE LIST!

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The essentials

Built
1993
Price / sqft
$325
On market
21 days
Annual tax
$5,992
HOA
$496.79/yr
Flood zone
X · Low risk
Lot
9,204 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Private pool
Gunite
3 car garage
9,204 sqft lot
Lot size
2,198 sqft
Living area

Payment

Est. monthly payment
$4,627/mo
Down payment (20%)
$143,000
Property taxes
$499/mo
HOA
$496.79/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
9,204 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Gunite, Screen Enclosure
Days on Market
21
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Split Bedroom
Stone Counters
Walk-in Closet(s)
Sidewalk
Street Lights
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,992
Parcel #
35-27-16-11388-000-0070

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
Bridlewood At Tarpon Woods Ph I
County
Pinellas
MLS Area
34685 - Palm Harbor
Lot Size
9,204 sqft
HOA
$496.79/yr
Steven Kelly

Price history

Date
Event
Price
9/21/2026
Listed for sale
Source: Stellar MLS #TB8551449
$715,000
$325/sqft

Neighborhood

2656 Saddlewood Ln
Palm Harbor, FL, 34685 · 34685 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $715,000
$705,000 – $715,000
98.4% – 100% of listTops out right at the list price
80% of listList price
34 of the last 67 home closings in 34685 landed at this number or higher (51%). The median one sat 33 days before it went under contract, and this one is on day 21.

Sample: 67 closed home sales in 34685 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,627/mo
Principal & interest$3,729
Property taxes$499
Insurance$358
HOA$41
Down payment20% · $143,000
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

$715,000

$325 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,198 sq ft

Time on market

21 days

Year built

1993

Monthly payment

About $4,627/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,992 annual tax bill, insurance, and the $496.79/yr HOA fee.

HOA fee

$496.79/yr

Managed by Steven Kelly.

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?

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Brokered byKELLER WILLIAMS REALTY- PALM HARBORListing agent: Katherine CongdonListing data from Stellar MLS, MLS# TB8551449.

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