4831 BLUE JAY CIRCLE, PALM HARBOR, FL, 34683
Active15 days on marketListed Jul 9, 2026MLS #TB8527379
About this home
4831 BLUE JAY CIRCLE
Experience the ultimate coastal lifestyle in the highly desirable, golf-cart-friendly community of Blue Jay Woodlands in Palm Harbor. This beautifully renovated 3-bedroom, 2-bathroom home with a 2-car garage sits on an oversized corner lot and includes a dedicated office that could easily serve as a fourth bedroom. Offering the boating lifestyle without the premium waterfront price tag, residents enjoy exclusive access to a private community boat ramp just 0.1 miles away, providing direct access to the Gulf of Mexico. Thoughtfully renovated from top to bottom, this move-in-ready home features a stunning modern kitchen with new soft-close cabinetry, quartz countertops, a large center island, and stainless steel appliances. The bathrooms have been completely remodeled, and durable tile flooring extends throughout the home. A spacious laundry room provides added convenience, while the fully fenced backyard is designed for enjoying the Florida lifestyle with a sparkling private pool and screened lanai, creating the perfect space for relaxing, entertaining, or spending time with family and friends. This home is high and dry, has never flooded, and is not located in a flood zone, offering added peace of mind. Ideally located just minutes from the famous Tarpon Springs Sponge Docks, local restaurants, the Pinellas Trail, several championship golf courses, and four beautiful Gulf beaches, this exceptional property also comes with the added benefit of no HOA fees. Don't miss this rare opportunity to enjoy coastal living, boating, and resort-style outdoor amenities in one of Palm Harbor's most sought-after communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,299
Sqft
0.22 ac
Lot size
2
Garage
1983
Year built
One
Levels
$261
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 — not generic estimates.
$4,179 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,179/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−22.1%
$/sqft vs Palm Harbor actives
$261 vs $259
Days on market
15 vs 42 typical
Where $261/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 Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
208 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 46% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 4831 BLUE JAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$894,000
4810 BLUE JAY CIRCLE · same community
4 bd · 3.5 ba · 3,078 sqft · $290/sqft · 9 DOM
Sold · Nov ’25$595,000
129 CARLYLE DRIVE
3 bd · 2 ba · 2,333 sqft · $255/sqft · 0 DOM
Sold · Sep ’25$1,240,000
130 CARLYLE DRIVE
4 bd · 2 ba · 2,244 sqft · $553/sqft · 0 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 4831 BLUE JAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4831 BLUE JAY CIRCLE — 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
4831 BLUE JAY CIRCLE FAQs
What would the monthly payment be for 4831 BLUE JAY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,179/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4831 BLUE JAY CIRCLE?+
The most recent tax bill on record (2025) was $6,748. 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 4831 BLUE JAY 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 $599,000, this home is listed about 60% 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 4831 BLUE JAY CIRCLE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$599,000 runs 46% above the PALM HARBOR 34683 median — but at 2,299 sqft it's also 57% 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.
03Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Renee Gialousis. MLS #TB8527379.
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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