3213 MONTROSE CIRCLE, PALM HARBOR, FL, 34684
Active1 days on marketListed Aug 6, 2026MLS #TB8534830
About this home
3213 MONTROSE CIRCLE
Rarely does a home present this combination of extensive updates, hurricane-impact windows and doors, a heated saltwater fiberglass pool, and a non-flood zone location—all in one of Palm Harbor's most sought-after communities. Welcome to 3213 Montrose Circle in Bentley Park. This meticulously maintained 3-bedroom, 2.5-bath home with a 2-car garage has been thoughtfully updated from top to bottom, offering the perfect blend of style, comfort, and peace of mind. Located in a non-flood zone, non-evacuation zone, and zoned for A-rated schools, this move-in-ready home allows you to enjoy the best of Florida living without the worry of costly future projects. Step inside and you'll immediately appreciate the bright, open floor plan, soaring ceilings, and distinctive sunken living room that adds architectural character rarely found in today's homes. Beautiful wood-look porcelain tile spans the main level, while luxury vinyl plank flooring upstairs, fresh interior and exterior paint, updated lighting, new baseboards, and modern finishes create a warm, welcoming space that's ready to enjoy from day one. The backyard is where this home truly sets itself apart. Designed for year-round enjoyment, the private outdoor retreat features one of the few heated saltwater fiberglass pools in the neighborhood, surrounded by an expansive paver patio and lush tropical landscaping—perfect for entertaining, relaxing, or spending weekends with family and friends. The long list of major improvements means the next owner can move in with confidence. Highlights include a 2020 roof, PGT Winguard hurricane-impact windows and doors (2022), 2018 HVAC system with a newly installed UV air purification system, two upstairs mini-split systems (2025), a whole-home water filtration system, alkaline kitchen water dispenser, new pool pump and salt cell, updated lighting and fixtures, and countless additional upgrades throughout. Bentley Park offers tree-lined streets, sidewalks, a community pool, tennis and basketball courts, playgrounds, and a low HOA—all just minutes from John Chesnut Sr. Park, Lake Tarpon, the Pinellas Trail, shopping, dining, championship golf courses, award-winning Gulf beaches, and Tampa International Airport. Beautifully updated, exceptionally maintained, and truly move-in ready, this is more than just a home—it's a place where you can settle in, make memories, and enjoy the Florida lifestyle from day one.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,832
Sqft
0.14 ac
Lot size
2
Garage
1992
Year built
Two
Levels
$294
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,065 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,065/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+8.5%
$/sqft vs Palm Harbor actives
$294 vs $260
Days on market
1 vs 47 typical
Where $294/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bentley Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Bentley Park — neighborhood snapshot
Population
909
Median age
57
Median income
$111,927
Median home value
$530,398
Avg household
2
Households w/ children
66%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
225 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 116% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3213 MONTROSE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$500,000
3253 MONTROSE CIRCLE · same community
4 bd · 2 ba · 2,043 sqft · $245/sqft · 63 DOM
Sold · Jul ’26$441,500
3224 MONTROSE CIRCLE · same community
3 bd · 2 ba · 1,567 sqft · $282/sqft · 4 DOM
Sold · Nov ’25$425,000
3261 MONTROSE CIRCLE · same community
3 bd · 2 ba · 1,555 sqft · $273/sqft · 11 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3213 MONTROSE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3213 MONTROSE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3213 MONTROSE CIRCLE FAQs
What would the monthly payment be for 3213 MONTROSE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,065/mo — principal and interest, the actual property-tax bill, the $36/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3213 MONTROSE CIRCLE?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3213 MONTROSE CIRCLE?+
The most recent tax bill on record (2025) was $5,492. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3213 MONTROSE CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $539,000, this home is listed about 42% above the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3213 MONTROSE CIRCLE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$539,000 runs 116% above the PALM HARBOR 34684 median — but at 1,832 sqft it's also 25% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 47 — if it fits, move quickly.
04Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of TAMPA4U.COM REALTY,LLC · Alex Ciumasu. MLS #TB8534830.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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