3228 BENTLEY DRIVE, PALM HARBOR, FL, 34684
Active82 days on marketListed May 4, 2026MLS #TB8504716
About this home
3228 BENTLEY DRIVE
Welcome to your dream home in the heart of Palm Harbor! This stunning four-bedroom, three-bathroom residence offers 2,518 square feet of thoughtfully designed living space with a desirable three-way split floor plan that gives everyone their own breathing room. Step inside to discover a formal living room and dining room perfect for hosting memorable gatherings. The family room features a cozy wood-burning fireplace, creating the ideal backdrop for relaxing evenings. The updated kitchen is a true showstopper, boasting rich wood cabinetry, granite countertops, a convenient breakfast bar, generous pantry, and storage that would make any home chef swoon. The expansive primary suite is a private retreat with an adjoining bonus room offering incredible versatility as a study, den, or even an in-law suite. A small office tucked nearby makes the perfect craft room or quiet workspace. The additional bedrooms are generously sized and served by two well-appointed bathrooms. Now step outside where the magic truly happens. The large screened lanai was built for entertaining, complete with a sparkling pool, relaxing spa, and a dedicated grilling area. The oversized backyard provides endless possibilities for outdoor enjoyment and weekend adventures. Nestled in a highly sought-after neighborhood, this home sits within an acclaimed school district and offers easy access to local attractions, dining, and shopping that make Palm Harbor one of Florida's most beloved communities. This is the kind of home that checks every box. Schedule your private showing today before someone else falls in love first!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,518
Sqft
0.24 ac
Lot size
2
Garage
1993
Year built
One
Levels
$262
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.
$4,330 /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
$4,330/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
−16.5%
$/sqft vs Palm Harbor actives
$262 vs $259
Days on market
82 vs 42 typical
Where $262/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)
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 166% 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 3228 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 · Nov ’25$870,000
271 LAROCCA COURT
4 bd · 3 ba · 2,534 sqft · $343/sqft · 337 DOM
Sold · Apr ’26$790,000
250 LAROCCA COURT
4 bd · 3.5 ba · 2,468 sqft · $320/sqft · 250 DOM
Sold · Jun ’26$739,900
344 CASCADE LANE
5 bd · 3 ba · 2,618 sqft · $283/sqft · 7 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 3228 BENTLEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3228 BENTLEY DRIVE — 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
3228 BENTLEY DRIVE FAQs
What would the monthly payment be for 3228 BENTLEY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,330/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 3228 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 3228 BENTLEY DRIVE?+
The most recent tax bill on record (2025) was $3,890. 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 3228 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 $659,000, this home is listed about 76% 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 3228 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
Three things that matter here
01Positioned at the premium end
$659,000 runs 166% above the PALM HARBOR 34684 median — but at 2,518 sqft it's also 72% 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
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 KELLER WILLIAMS REALTY- PALM HARBOR · Sandy Papadakis. MLS #TB8504716.
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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