3408 ARCADIA DRIVE, PALM HARBOR, FL, 34684
Active0 days on marketListed Jul 24, 2026MLS #TB8528298
Come see it
Upcoming open houses
Sat, Jul 25
1:00 PM – 3:00 PM
3 bedroom/2 bath/2 car with birdcage pool on a conservation lot, no flood insurance required!
Sun, Jul 26
1:00 AM – 3:00 PM
3 bedroom/2 bath/2 car with birdcage pool on a conservation lot, no flood insurance required!
About this home
3408 ARCADIA DRIVE
Welcome home to this 1869 sq ft, 3 Bedroom, 2-Bath SINGLE LEVEL SPLIT PLAN Residence, set on a peaceful conservation lot in a sought -after neighborhood. The screened BIRDCAGE POOL is one of the first refreshing highlights, offering a private retreat with serene CONSERVATION VIEWS. A charming and welcoming covered, brick front porch invites you in, where HARDWOOD FLOORS and SOARING VAULTED CEILINGS set the tone throughout the living room and dining room. The kitchen opens to the family room, where a cozy fireplace and Vaulted Ceilings create a welcome space where the family can congregate. The split-bedroom layout ensures privacy, with the primary suite featuring vaulted ceilings, FRENCH DOORS to the pool, an ensuite bath with a garden tub and separate shower, a private water closet, and a walk-in closet. The attached two-car garage enters directly into the inside laundry room for convenience. If needed, Clear Hurricane Shutters allow natural light to shine through. AC is 2018. The price reflects the need for a new roof, as it was installed in 2005. This home is located in a NON-FLOOD Zone, offering peace of mind. Outside, the covered lanai looks over the birdcage pool and the tranquil conservation area. A small annual HOA fee of $507 covers the PICKLEBALL/TENNIS COURTS, PLAYGROUND, and COMMUNITY POOL. Located in an excellent school zone, you'll have easy access to shopping, dining, Gulf Beaches, and 2 International Airports. This home offers a great balance of comfort, privacy, and convenience and is just waiting for you to make it your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,869
Sqft
0.27 ac
Lot size
2
Garage
1986
Year built
One
Levels
$294
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.
$3,938 /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
$3,938/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
−5.9%
Days on market
0 vs 42 typical
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 Village Of Woodland Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Village Of Woodland Hills — neighborhood snapshot
Population
912
Median age
66
Median income
$93,326
Median home value
$366,284
Avg household
2
Households w/ children
38%
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 122% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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 3408 ARCADIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3408 ARCADIA 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
3408 ARCADIA DRIVE FAQs
What would the monthly payment be for 3408 ARCADIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,938/mo — principal and interest, the actual property-tax bill, the $42/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 3408 ARCADIA DRIVE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3408 ARCADIA DRIVE?+
The most recent tax bill on record (2025) was $3,139. 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 3408 ARCADIA DRIVE?+
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 $549,000, this home is listed about 46% 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 3408 ARCADIA DRIVE?+
Highland Lakes 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
Four things that matter here
01Positioned at the premium end
$549,000 runs 122% above the PALM HARBOR 34684 median — but at 1,869 sqft it's also 28% 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.
03Fresh on the market
Listed today in a Palm Harbor market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Highland Lakes Elementary School, Joseph L. Carwise Middle School, East Lake High School — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of RAGSDALE RESIDENTIAL REALTY · Sheri Ragsdale. MLS #TB8528298.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 3408 ARCADIA DRIVE but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →