2899 TURTLE TERRACE, PALM HARBOR, FL, 34683
Active14 days on marketListed Jul 9, 2026MLS #TB8517900
About this home
2899 TURTLE TERRACE
Beautiful Country Woods pool home on a private .43-acre cul-de-sac homesite in one of Dunedin's most desirable neighborhoods. From the moment you arrive, the exceptional curb appeal sets the stage for everything this impressive home has to offer. Designed with both everyday living and entertaining in mind, this spacious floor plan features 4 bedrooms, a private study/home office, 3 full bathrooms, and a generously sized 3-car garage. The expansive family room is the heart of the home, highlighted by a cozy fireplace and beautiful views of the screened pool and outdoor living area. Elegant formal living and dining rooms provide the perfect setting for gatherings, while the generously sized secondary bedrooms offer comfort and flexibility for family and guests. Extensive wood-look tile flooring flows throughout the home, creating a stylish and cohesive look. The bathrooms feature elegant marble finishes, adding a touch of luxury. Step outside and enjoy your own private Florida retreat with a sparkling screened pool, large covered lanai, and child safety fence—perfect for year-round entertaining or relaxing in the Florida sunshine. Updates include a roof installed in 2016 and all-new plumbing installed in October 2025. Additional features include a private homesite and a spacious 3-car garage. Home is also equipped with a central vacuum system. Ideally located just minutes from the Gulf beaches, Dunedin Causeway, Pinellas Trail, grocery stores, restaurants, and shopping, with Tampa International and St. Pete-Clearwater International Airports both approximately 30 minutes away. Located in a non-evacuation zone with no flood insurance required, this home offers outstanding peace of mind along with an exceptional lifestyle. Don't miss this rare opportunity to own a beautiful pool home in one of Dunedin's premier communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,600
Sqft
0.44 ac
Lot size
3
Garage
1990
Year built
One
Levels
$338
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.
$5,645 /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
$5,645/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
−2.2%
$/sqft vs Palm Harbor actives
$338 vs $259
Days on market
14 vs 42 typical
Where $338/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 119% 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 2899 TURTLE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$899,000
1440 WETHERINGTON WAY · same community
4 bd · 3 ba · 2,556 sqft · $352/sqft · 45 DOM
Sold · Jun ’26$909,000
2897 COUNTRY WOODS LANE · same community
4 bd · 3 ba · 2,781 sqft · $327/sqft · 3 DOM
Sold · Dec ’25$835,000
2760 BEAGLE PATH WAY · same community
4 bd · 3 ba · 2,811 sqft · $297/sqft · 40 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 2899 TURTLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2899 TURTLE TERRACE — 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
2899 TURTLE TERRACE FAQs
What would the monthly payment be for 2899 TURTLE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,645/mo — principal and interest, the actual property-tax bill, the $33/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 2899 TURTLE TERRACE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2899 TURTLE TERRACE?+
The most recent tax bill on record (2025) was $4,485. 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 2899 TURTLE TERRACE?+
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 $879,900, this home is listed about 135% 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 2899 TURTLE TERRACE?+
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
$879,900 runs 119% above the PALM HARBOR 34683 median — but at 2,600 sqft it's also nearly twice the size of 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 SELECT PROPERTIES INC · Frank Acerra. MLS #TB8517900.
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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