4827 BLUE JAY CIRCLE, PALM HARBOR, FL, 34683
Active1 days on marketListed Jul 23, 2026MLS #TB8532043
About this home
4827 BLUE JAY CIRCLE
Modern Coastal Retreat with Resort-Style Backyard in the Palm Harbor neighborhood of Blue Jay Woodlands! NO FLOOD INSURANCE REQUIRED. Built in 2022, this beautifully updated 3-bedroom, 2-bath pool home blends clean modern style with true Florida outdoor living. A crisp white exterior with warm wood-tone accents and a covered front porch set the tone the moment you arrive. Just inside the front door, a mudroom-style foyer welcomes you home with a built-in bench, and wall hooks for coats and bags, a thoughtful, functional touch as you come and go. From there, luxury vinyl plank flooring flows throughout the entire home for a seamless, low-maintenance living space. Soaring 10-foot ceilings, 8-foot doors, and custom baseboards throughout add to the home's open, elevated feel. The open-concept kitchen is a showstopper, featuring a large pantry, crisp white shaker cabinetry, quartz countertops, a herringbone tile backsplash, a large center island with seating for four, farm style sink, and a stainless steel propane range. A dedicated bar area with open shelving and stainless refrigerator adds extra entertaining space just off the kitchen. The kitchen flows effortlessly into a spacious living area anchored by a shiplap accent wall with an electric fireplace and mounted TV — perfect for cozy nights in or hosting guests. Sliding glass doors (impact-rated, like all windows in the home) bring in natural light and lead directly to the outdoor oasis. The primary suite offers a generous walk-in closet with custom built-in shelving, plus an en-suite bath with a frameless glass walk-in shower, dual vanity, and designer subway patterned tile flooring. Two additional bedrooms offer flexible space for family, guests, or a home office/gym, and a stylish guest bath features a brass-finished mirror and fixtures with a soaking tub/shower combo. Step outside to your private backyard paradise: a heated salt water pool with a built-in sun shelf and heated spa, a cozy fire pit area for cooler evenings, surrounded by pavers and a low-maintenance rock landscape. A custom wood-built gazebo bar with seating, a sink, mounted TV, ceiling fan, and string lighting makes this the ultimate spot for entertaining or unwinding after a long day. The fully fenced yard offers privacy with a mix of white vinyl and painted block fencing. Additional features include a 2-car garage, tankless propane water heater, and propane pool heater for efficient, on-demand comfort. Smart system controls for the thermostat, pool pump, and many other features. This home is designed for both everyday living and effortless entertaining. Close to everything the area has to offer including downtown Tarpon Springs, downtown Dunedin, Pinellas Trail, and Honeymoon Island State Park. Minutes to great shopping and restaurants. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,516
Sqft
0.19 ac
Lot size
2
Garage
2022
Year built
One
Levels
$409
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.
$4,627 /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
$4,627/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
+27.3%
Days on market
1 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 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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the PALM HARBOR 34683 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4827 BLUE JAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4827 BLUE JAY 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.
Straight answers
4827 BLUE JAY CIRCLE FAQs
What would the monthly payment be for 4827 BLUE JAY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,627/mo — principal and interest, the actual property-tax bill, the $75/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 4827 BLUE JAY CIRCLE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4827 BLUE JAY CIRCLE?+
The most recent tax bill on record (2025) was $9,778. 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 4827 BLUE JAY 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 $619,900, this home is listed about 65% 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 4827 BLUE JAY 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
Four things that matter here
01Positioned at the premium end
$619,900 runs 51% above the PALM HARBOR 34683 median.
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
Only 1 day on market in a Palm Harbor market that averages 42 — if it fits, move quickly.
04Strong 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.
Listing courtesy of SUNCOAST SHORES REALTY · Collier Cundiff. MLS #TB8532043.
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 4827 BLUE JAY CIRCLE 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 Eric to ping you on any price or status change →