1308 GILLESPIE DRIVE, PALM HARBOR, FL, 34684
Active4 days on marketListed Jul 29, 2026MLS #TB8533480
About this home
1308 GILLESPIE DRIVE
* * DO NOT MISS OUT ON THIS BEAUTIFULLY UPDATED HOME WITH WIDE OPEN VIEWS OF THE GOLF COURSE * * Extremely well maintained! NO WORRIES WITH THIS HOME WITH THE FOLLOWING UPDATERS - New Roof 2021 - New High Impact Windows 2021 - Followed By A FULL Interior Remodel 2021 - New Hot Water Heater 2022 - New Central Heat/Ac 2025 - New Plantation Shutters 2025 - New Generator With Transfer Switch 2025 - New Hot Tub 2026 and Much, Much More! ! THERE IS NOTHING YOU NEED TO DO BUT MOVE IN AND ENJOY ! ! Enjoy the evenings on your front screened porch. Open floor plan with OVERSIZED kitchen with tons of cabinets and kitchen island. Beautiful stainless appliance package. Formal living room space and separate family room with windows out to the golf course. Master bedroom is roomy with full walk-in closet. Both bathrooms fully updated. Multiple sliders lead you out to one of the FEW LARGE COVERED AND SCREENED PATIO with expansive views of the golf course. Enjoy the heated hot tub that is only 6 months new! .................................This property has the membership to “THE CLUB” (at an unbelievable low cost of $164/month). You get UNLIMITED GOLF on 27 holes. Access to tennis courts, pickleball courts (indoor and outdoor), shuffleboard, bocci ball courts. Spectacular heated pool with umbrellas and covered seating. The expansive clubhouse offers a large auditorium for activities, shows and parties. Fully equipped woodworking shop, ceramics shop, card room, billiards and more. And lets not forget “THE LODGE ON LAKE TARPON” which is also part of “THE CLUB” and is a secondary clubhouse with pool, picnic area, horse shoes and is finally highlighted by the dock and community pontoon boats on Lake Tarpon.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,418
Sqft
0.17 ac
Lot size
2
Garage
1984
Year built
One
Levels
$381
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.
$3,923 /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
$3,923/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
+41.1%
$/sqft vs Palm Harbor actives
$381 vs $259
Days on market
4 vs 42 typical
Where $381/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)
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 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 1308 GILLESPIE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$487,000
1222 GILLESPIE DRIVE · same community
2 bd · 2 ba · 1,674 sqft · $291/sqft · 73 DOM
Sold · Nov ’25$235,000
2605 2ND COURT
2 bd · 2.5 ba · 1,344 sqft · $175/sqft · 29 DOM
Sold · Jul ’26$235,000
2603 2ND COURT
2 bd · 2.5 ba · 1,344 sqft · $175/sqft · 32 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 1308 GILLESPIE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1308 GILLESPIE 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
1308 GILLESPIE DRIVE FAQs
What would the monthly payment be for 1308 GILLESPIE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,923/mo — principal and interest, the actual property-tax bill, the $164/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 1308 GILLESPIE DRIVE?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1308 GILLESPIE DRIVE?+
The most recent tax bill on record (2025) was $2,186. 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 1308 GILLESPIE 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 $539,900, this home is listed about 44% 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 1308 GILLESPIE 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
$539,900 runs 116% above the PALM HARBOR 34684 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 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 RE/MAX ELITE REALTY · Matthew Brashear. MLS #TB8533480.
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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