126 OLD OAK CIRCLE, PALM HARBOR, FL, 34683
Active15 days on marketListed Jul 9, 2026MLS #TB8526254
About this home
126 OLD OAK CIRCLE
Luxury Living in Oak Trail | Palm Harbor Fully Renovated Pool Home Welcome to 126 Old Oak Circle, the former model home in one of Palm Harbor’s most desirable communities. Set on a spacious quarter-acre lot, this beautifully renovated 4-bedroom, 3.5-bath residence offers timeless style, modern comfort, and luxury finishes throughout, with a layout designed for both everyday living and effortless entertaining. From the moment you enter, soaring ceilings and abundant natural light create an open, airy feel throughout the home. The main living area is anchored by a striking designer-tiled fireplace, adding warmth and sophistication to the heart of the home, while the complete top-to-bottom renovation ensures every detail feels fresh, refined, and move-in ready. The chef’s kitchen is equally impressive, featuring twin cooking islands with sinks, a walk-in pantry, and a twin freezer/refrigerator setup. Seamlessly connected to the living and dining spaces, this kitchen is ideal for hosting gatherings or enjoying quiet nights at home. The primary suite is a true retreat, complete with a spa-inspired bathroom offering an oversized walk-in shower, soaking tub, dual vanities, and his-and-hers closets. An additional oversized walk-in closet provides flexible space that can easily function as a home office, nursery, fitness room, or dressing suite. Each of the 3.5 bathrooms has been thoughtfully designed with custom tile, stylish fixtures, and distinctive finishes, giving every space its own character while maintaining a cohesive luxury feel throughout the home. Additional upgrades include a newer HVAC system, newer water heater, updated windows throughout, and a tile roof, all contributing to the home’s comfort, efficiency, and lasting appeal. Step outside to your own private Florida oasis. The screened lanai, pool, and spa create the perfect setting for relaxing or entertaining, while the expansive outdoor space offers plenty of room to design the outdoor kitchen of your dreams. A 3-car garage adds even more convenience, with one bay converted into a climate-controlled game room or flexible living space, making this home as functional as it is beautiful. Ideally located just minutes from top-rated Palm Harbor schools, shopping, dining, golf courses, parks, and the Gulf beaches, this exceptional home delivers the perfect blend of luxury, comfort, and convenience. If you’ve been searching for a fully renovated pool home with luxury finishes, a screened lanai, a chef’s kitchen, and an unbeatable Palm Harbor location, 126 Old Oak Circle is the one you’ve been waiting for.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,220
Sqft
0.27 ac
Lot size
3
Garage
1989
Year built
One
Levels
$309
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.
$7,014 /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
$7,014/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
−31.4%
$/sqft vs Palm Harbor actives
$309 vs $258
Days on market
15 vs 42 typical
Where $309/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)
207 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 146% 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 126 OLD OAK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$835,000
478 OLD OAK CIRCLE · same community
4 bd · 3 ba · 2,536 sqft · $329/sqft · 0 DOM
Sold · Sep ’25$515,000
4736 BRIDLE PATH DRIVE · same community
3 bd · 2 ba · 1,776 sqft · $290/sqft · 34 DOM
Sold · Jun ’26$1,315,000
1560 CANOPY OAKS BOULEVARD
5 bd · 3 ba · 3,340 sqft · $394/sqft · 23 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 126 OLD OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 126 OLD OAK CIRCLE — 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
126 OLD OAK CIRCLE FAQs
What would the monthly payment be for 126 OLD OAK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,014/mo — principal and interest, the actual property-tax bill, the $97/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 126 OLD OAK CIRCLE?+
The association fee works out to $97 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 126 OLD OAK CIRCLE?+
The most recent tax bill on record (2025) was $12,183. 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 126 OLD OAK CIRCLE?+
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 $995,000, this home is listed about 165% 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 126 OLD OAK CIRCLE?+
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
$995,000 runs 146% above the PALM HARBOR 34683 median — but at 3,220 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 CHARLES RUTENBERG REALTY INC · Bill Kalyvas. MLS #TB8526254.
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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