1171 ROYAL BOULEVARD, PALM HARBOR, FL, 34684
Active89 days on marketListed May 5, 2026MLS #TB8487346
About this home
1171 ROYAL BOULEVARD
Maintenance-free Florida living in Queen Anne Gate, an intimate gated community of just 42 villas in Palm Harbor — all ages welcome, and not part of Highland Lakes. This 3-bedroom, 2-bath villa with a 2-car garage offers 1,881 square feet of single-story living in Flood Zone X, meaning no flood insurance is required and the home sits in a non-evacuation zone. The low $320 monthly HOA covers cable TV, trash, lawn care, sprinkler system, shrub maintenance, pressure washing, gutter cleaning, and access to The Cabana's heated community pool and spa — true lock-and-leave convenience. Major systems are done: roof replaced in 2015, HVAC new in 2025, exterior paint in 2024, back patio recently resurfaced, and the guest bath refreshed with new shower tile and paint in May 2026. New water heater to be installed prior to closing. Inside, the split, open floor plan features 10-foot ceilings, plantation shutters, and ceiling fans in every room. The eat-in kitchen offers granite counters, 42-inch wood cabinets, stainless steel appliances, a closet pantry, and a pass-through to the formal dining room. A cozy fireplace room and spacious great room round out the living areas. The oversized primary suite includes a large walk-in closet, new window treatments, and a well-appointed ensuite with skylight, double-sink vanity, garden tub, walk-in shower with bench seating, and private water closet. The third bedroom features a Murphy bed, skylights, and a substantial closet — perfect flex space for guests or a home office. New porch pavers lead through a charming courtyard-style entry, and low-maintenance landscaping keeps weekends free. Location is unbeatable: minutes to the new Trader Joe's, Publix, restaurants, Gulf beaches, parks, and golf courses, with easy access to Tampa International Airport. Zoned for Palm Harbor University High School.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,881
Sqft
0.11 ac
Lot size
2
Garage
1995
Year built
One
Levels
$231
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.
$3,457 /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
$3,457/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
+2.6%
$/sqft vs Palm Harbor actives
$231 vs $261
Days on market
89 vs 42 typical
Where $231/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 Highland Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
202 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 74% 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 1171 ROYAL BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$525,000
1196 ROYAL BOULEVARD · same community
3 bd · 2 ba · 1,857 sqft · $283/sqft · 2 DOM
Sold · Jul ’26$494,000
1194 ROYAL BOULEVARD · same community
3 bd · 2 ba · 1,820 sqft · $271/sqft · 98 DOM
Sold · Jul ’26$395,000
1185 ROYAL BOULEVARD · same community
3 bd · 2 ba · 1,677 sqft · $236/sqft · 77 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1171 ROYAL BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1171 ROYAL BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1171 ROYAL BOULEVARD FAQs
What would the monthly payment be for 1171 ROYAL BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,457/mo — principal and interest, the actual property-tax bill, the $320/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 1171 ROYAL BOULEVARD?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1171 ROYAL BOULEVARD?+
The most recent tax bill on record (2025) was $2,688. 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 1171 ROYAL BOULEVARD?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $435,000, this home is listed about 16% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1171 ROYAL BOULEVARD?+
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
$435,000 runs 74% above the PALM HARBOR 34684 median — but at 1,881 sqft it's also 28% larger than the typical Palm Harbor listing.
02Time on market is leverage
89 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $459,900, now $435,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Kay Himonetos, LLC. MLS #TB8487346.
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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