3130 BENTLEY DRIVE, PALM HARBOR, FL, 34684
Active2 days on marketListed Jul 30, 2026MLS #TB8529463
About this home
3130 BENTLEY DRIVE
Located in the Village at Bentley Park, this 4-bedroom, 2.5-bath home offers soaring ceilings, screen-enclosed pool, and a great layout in one of Palm Harbor’s most convenient locations. The kitchen features white cabinetry, stainless steel appliances, updated flooring, a breakfast bar, and a pantry for additional storage, while connecting easily to the dining and living areas for eating and entertaining. The family room features 20-foot vaulted ceilings and windows that fill the space with natural light. The downstairs half bath adds a design forward touch with a teal vanity, marble-look countertop, black hardware, and modern lighting. The first-floor primary suite offers a comfortable retreat with generous closet space, and a private en-suite bathroom. The updated primary bathroom features a double vanity with white cabinetry, dual framed mirrors, black fixtures, and warm modern lighting. The walk-in shower is finished with classic white subway tile, patterned floor, a frameless glass enclosure, matte black hardware, a rainfall shower head, and a built-in niche. Follow the staircase upstairs, where you will find three additional bedrooms with charming window seats, extra storage, and a full bathroom. Outside, enjoy Florida living from the expansive screened patio overlooking the private pool. The covered outdoor space provides plenty of room for entertaining, weekend gatherings, or relaxing. The home includes a two-car garage. Major improvements include: New Siding in 2024, a New Roof in 2024, New Garage Door in 2024, and a New HVAC installed in 2023. Located in Flood Zone X and zoned for Palm Harbor University High School, Carwise Middle School, and Highland Lakes Elementary, the home offers everyday convenience with easy access to recreation and parks. This is an amazing opportunity to own a well cared for pool home with major-system improvements in the heart of Palm Harbor. **Use the seller’s preferred lender and receive a no-cost 1-0 permanent rate buydown.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,718
Sqft
0.16 ac
Lot size
2
Garage
1992
Year built
Two
Levels
$279
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.
$3,711 /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
$3,711/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
−20%
$/sqft vs Palm Harbor actives
$279 vs $259
Days on market
2 vs 42 typical
Where $279/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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
204 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 92% 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 3130 BENTLEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$330,000
290 WINCHESTER WAY
3 bd · 2.5 ba · 1,680 sqft · $196/sqft · 0 DOM
Sold · Feb ’26$560,000
3570 ROLLING TRAIL
3 bd · 2 ba · 1,680 sqft · $333/sqft · 12 DOM
Sold · May ’26$472,875
3570 DEER RUN S
3 bd · 2 ba · 1,756 sqft · $269/sqft · 56 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 3130 BENTLEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3130 BENTLEY DRIVE — 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
3130 BENTLEY DRIVE FAQs
What would the monthly payment be for 3130 BENTLEY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,711/mo — principal and interest, the actual property-tax bill, the $43/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 3130 BENTLEY DRIVE?+
The association fee works out to $43 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3130 BENTLEY DRIVE?+
The most recent tax bill on record (2025) was $5,642. 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 3130 BENTLEY DRIVE?+
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 $479,900, this home is listed about 28% 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 3130 BENTLEY DRIVE?+
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
$479,900 runs 92% above the PALM HARBOR 34684 median — but at 1,718 sqft it's also 17% 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 2 days on market in a Palm Harbor market that averages 42 — 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 SOUTHERN LIFE REALTY · Kelsi Ward. MLS #TB8529463.
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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