Eric Chery
$1,249,000$1,389,0004 bd4 ba4,167 sqft$300 /sqft$7,949 /mo all-in ↓

3522 SHORELINE CIRCLE, PALM HARBOR, FL, 34684

Active191 days on marketListed Jan 22, 2026MLS #TB8467469

Reduced $140KPrivate poolSingle Family ResidenceSANCTUARY AT COBBS LANDING THE

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About this home

3522 SHORELINE CIRCLE

One or more photos were virtually staged. A rare opportunity to own one of Cobb’s Landing most unique properties. On the market for only the second time. A sprawling 4100 square foot home that includes a guest cottage, In-Law Suite or teen space. Countless unique features curated by Architect James H. Lentz. A perfect home for today’s modern day family. Move-In Ready updated custom quality built executive residence on conservation lot. This flexible home layout includes 4 bedrooms, 4 full bathrooms, 2 kitchens, 2 laundry rooms and a secondary private entrance for completely private multi-generational living or home office. It is two homes in one; the in-law suite has its own front door entrance, garage, laundry room, kitchen, living room, dining room, door to the pool/patio, and bedroom with en suite bathroom, walk in closet and sitting room. RECENT UPDATES: white quartz countertops and workstation sink in the 2nd kitchen; new quartz countertops, sinks, and hardware in primary bathroom; new flooring, vanity, toilet and quartz countertops in the upstairs bathroom and new carpet in three bedrooms. NEW CONCRETE TILE ROOF 2024 (10 year full warranty) Air Conditioner 2025, Water Heaters 2025, 2026, Refrigerator 2026. Enjoy the distinctive architecture with soaring twenty-three foot ceilings in the main home featuring large cedar beams and fieldstone with a triple fireplace as a focal point. High and dry, no flood insurance required. The private primary suite offers French door access to the backyard and screened covered pool and hot tub. Large double head roman-shower, garden tub, water closet and expansive double closet area, new quartz countertops and sinks. Flexible and spacious living area has room for an office, game room and library. Dining area has wide views of pool and conservation woods. The main open kitchen includes tray ceiling, sky lights, granite countertops, expansive island, a walk in pantry and expanded storage. Abundant natural light throughout the property. There is a full guest bathroom on the main floor. Upstairs has two large bedrooms, one with a fireplace, a bathroom with a roman shower, multiple closets and water view of Lake Tarpon. The separated oversized 2 car and 1 car garages provide space for multiple vehicles and additional storage in a loft/attic combination. Other amenities include intercom system, central vacuum, whole house water softener and charcoal filter. Indoor and outdoor living blend effortlessly with Anderson sliding patio and French doors leading to a covered entertainment area, including a large pool and hot tub. Enjoy nature’s beauty inside and out, including deer and other wildlife. Cobb’s Landing offers a marina, fishing dock, playground, basketball and tennis courts, sidewalks, parks, multiple neighborhood events and top rated schools. This home sits near some of the areas, most desirable destinations, including Innisbrook Golf Course, Tarpon Springs, Downtown Palm Harbor, Dunedin, and Gulf beaches. Square footage based on an independent appraisal report to be verified by buyer. Virtual floor plans and dimensions are approximate.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,167

Sqft

0.36 ac

Lot size

3

Garage

1987

Year built

Two

Levels

$300

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCeramic Tile · Parquet · Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Water Purifier · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofTile
ConstructionWood Frame
FoundationSlab
FacesNorthwest
ParkingCircular Driveway · Driveway
ExteriorIrrigation System · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$52/mo
Taxes (2024)$6,344/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fire Hydrant · Sewer Connected · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$7,949 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,740
PMI (est., until 20% equity)$468
Property tax — 2024 actual bill$529
HOA fee — from the listing$52
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $124,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $124,900
Interest rate6.00%
Loan term

Estimated payment

$7,949/mo

Principal & interest$6,740
PMI (est., until 20% equity)$468
Property taxes (actual bill)$529
HOA / condo fee$52
Est. insurance$160

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.

List $1.2M
$1.2MedgeAI estimate $1,407,516 · range $1.4M$1.5M$1.5M

vs edgeAI estimate

−11.3%

$/sqft vs Palm Harbor actives

$300 vs $259

Days on market

191 vs 42 typical

Where $300/sqft sits among the 400 Palm Harbor actives

76
83
90
79 · this home
39
33
$152–196$196–239$239–282$282–325$325–368$368+

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 Cobb's Landing

Map of 3522 SHORELINE CIRCLE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)37 min
Downtown Tampa41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Cobb's Landing — neighborhood snapshot

Population

2,151

Median age

49

Median income

$120,639

Median home value

$547,537

Avg household

3

Households w/ children

220

For the school run

Pinellas County School District

MiddleJoseph L. Carwise Middle School★★★★
ElementaryHighland Lakes Elementary School★★★★★
HighPalm Harbor University High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$425K$450K

Palm Harbor median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

205 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 400% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,249,000 $140K
Jan 22, 2026Listed at $1,389,000 · 191 days on market since
1987Built · SANCTUARY AT COBBS LANDING THE

Reality check

What actually sold near 3522 SHORELINE CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3472 SHORELINE CIRCLESold · Jun ’26

$900,000

3472 SHORELINE CIRCLE · same community

4 bd · 3.5 ba · 3,617 sqft · $249/sqft · 49 DOM

110 WOODGLEN COURTSold · Apr ’26

$960,000

110 WOODGLEN COURT

4 bd · 4 ba · 3,712 sqft · $259/sqft · 22 DOM

1710 LAGO VISTA BOULEVARDSold · Sep ’25

$640,000

1710 LAGO VISTA BOULEVARD

3 bd · 3.5 ba · 3,633 sqft · $176/sqft · 53 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3522 SHORELINE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3522 SHORELINE CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

3522 SHORELINE CIRCLE FAQs

What would the monthly payment be for 3522 SHORELINE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,949/mo — principal and interest, the actual property-tax bill, the $52/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 3522 SHORELINE CIRCLE?+

The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3522 SHORELINE CIRCLE?+

The most recent tax bill on record (2024) was $6,344. 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 3522 SHORELINE 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 $1,249,000, this home is listed about 233% 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 3522 SHORELINE CIRCLE?+

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

Five things that matter here

01Positioned at the premium end

$1,249,000 runs 400% above the PALM HARBOR 34684 median — but at 4,167 sqft it's also nearly 3 times 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.

03Time on market is leverage

191 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $1,389,000, now $1,249,000 — a $140K cut. The full history is in the market section below.

Listing courtesy of HOME SOLD REALTY LLC · Camilo Perez. MLS #TB8467469.

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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