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126 OLD OAK CIRCLE, Palm Harbor, FL, 34683

4beds
4baths
3,220sqft
$975,000
$303price/sqft
$7,639/moest. monthly cost
$305,560/yrincome needed

About This Home

Luxury Living in Oak Trail | Palm Harbor Fully Renovated Pool Home Owner has bought a new house and motivated to sell, will be considering all offers! 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.

Getting Around

36
WalkingCar-Dependent
24
TransitMinimal Transit
63
BikeBikeable

Schools

5/10

Construction

Condition

  • Property condition: Completed
  • Year built: 1989

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Refrigerator,Water Filtration System,Water Purifier
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Crown Molding,High Ceilings,Living Room/Dining Room Combo,Primary Bedroom Main Floor,Split Bedroom
  • Door features: French Doors
  • Flooring: Luxury Vinyl,Porcelain Tile
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,235
  • Total interior livable area: 3,220 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 072816635820000040
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Salt Water
  • Exterior features: Dog Run,Private Mailbox,Rain Gutters,Sidewalk
  • Has spa: Yes
  • Spa features: In Ground
  • Fencing: Masonry,Vinyl

Lot

  • Lot size: 0.27 Acres
  • Lot size dimensions: 85 x 139

Parking

  • Total spaces: 3
  • Parking features: Driveway,Oversized
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,930$59,160
Home Insurance *$972$11,664
Property Taxes $1,413$16,956
Electricity $324$3,888
Total$7,639$91,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$261,908/yr
40% on housing$229,170/yr
45% on housing$203,706/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$303This listing

vs Other Active Listings

Avg $/sqft

ZIP 34683$276
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 34683$295
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$975,000
2026-07-10Listed for sale$995,000
2022-03-04Sold$759,900
2022-01-01Pending sale$759,900
2021-12-29Listed for sale$759,900
2016-08-04Sold$435,000
2016-06-29Price change$444,000
2016-06-15Listed for sale$449,000
2015-05-29Listing removed$449,000
2015-05-13Listed for sale$449,000
2011-07-27Sold$375,000
2011-03-31Listing removed$384,900
2011-02-19Price change$384,900
2011-01-31Listed for sale$395,000

For Sale by Agent

AgentBill Kalyvas
BrokerageCHARLES RUTENBERG REALTY INC

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