1801 E LAKE ROAD UNIT 20C, PALM HARBOR, FL, 34685
Active122 days on marketListed Mar 27, 2026MLS #TB8491123
About this home
1801 E LAKE ROAD UNIT 20C
Virtually Staged. Enjoy Florida living in this 3-bedroom, 2-bath GROUND FLOOR condo with 1,520 square feet, located in the sought-after El Pasado community in Palm Harbor’s East Lake corridor. The interior features a light-filled kitchen that blends style and functionality, offering granite countertops, stainless steel appliances, generous cabinetry, and a cozy dinette space for casual meals. The open-concept living and dining areas feel bright and inviting, FILLED WITH NATURAL LIGHT, and flow seamlessly to the screened-in lanai. Relax and take in peaceful pond views while enjoying your own private outdoor retreat. The primary bedroom includes a walk-in closet and an ensuite bath with a walk-in shower. Two additional bedrooms, along with a second full bathroom, provide flexible space for guests, a home office, or hobbies. Added conveniences include an exterior storage unit, assigned covered parking, and ample guest parking. Community amenities feature a heated pool, picnic and BBQ areas, and a convenient car wash station. Situated directly across from John Chesnut Sr. Park, you’ll have immediate access to outdoor activities including BOAT RAMPS TO LAKE TARPON, scenic boardwalks and trails, playgrounds, and a dog park. The location also places you just minutes from beaches, golf courses, top-rated schools, and popular destinations such as Clearwater Beach, Tarpon Springs, and Dunedin, with convenient access to both Tampa International Airport and St. Pete–Clearwater International Airport. The HOA fee includes water, sewer, trash, cable, internet, and exterior maintenance—including the roof—offering true low-maintenance living. Don’t miss this opportunity—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,500
Sqft
1989
Year built
One
Levels
$186
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.
$2,269 /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
$2,269/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
−1.5%
$/sqft vs Palm Harbor actives
$186 vs $259
Days on market
122 vs 42 typical
Where $186/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 34685 — neighborhood snapshot
Population
17,895
Median age
48.7
Median income
$87,658
Median home value
$479,400
Avg household
2.45
Households w/ children
1,931
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)
211 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 22% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 1801 E LAKE ROAD UNIT 20C
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$259,000
1801 E LAKE ROAD UNIT 6A · same community
3 bd · 2 ba · 1,520 sqft · $170/sqft · 60 DOM
Sold · Apr ’26$240,000
1801 E LAKE ROAD UNIT 6D · same community
3 bd · 2 ba · 1,520 sqft · $158/sqft · 3 DOM
Sold · Mar ’26$275,000
1801 E LAKE ROAD UNIT 5A · same community
3 bd · 2 ba · 1,520 sqft · $181/sqft · 146 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1801 E LAKE ROAD UNIT 20C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1801 E LAKE ROAD UNIT 20C — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1801 E LAKE ROAD UNIT 20C FAQs
What would the monthly payment be for 1801 E LAKE ROAD UNIT 20C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,269/mo — principal and interest, the actual property-tax bill, the $1/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 1801 E LAKE ROAD UNIT 20C?+
The association fee works out to $1 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1801 E LAKE ROAD UNIT 20C?+
The most recent tax bill on record (2025) was $4,103. 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 1801 E LAKE ROAD UNIT 20C?+
The listing reports pets: Cats OK, Dogs OK, 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 $279,000, this home is listed about 26% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1801 E LAKE ROAD UNIT 20C?+
Cypress Woods Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PALM HARBOR 34685 market on paper
$279,000 is 22% below the PALM HARBOR 34685 median of $359,900, and at $186/sqft it sits under the Palm Harbor average of $269.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
122 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Cypress Woods Elementary School, Joseph L. Carwise Middle School, East Lake High School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $285,000, now $279,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Kim Adams. MLS #TB8491123.
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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