2620 TRENT ROAD, PALM HARBOR, FL, 34684
Active371 days on marketListed Aug 1, 2025MLS #TB8413075
About this home
2620 TRENT ROAD
Extremely rare waterfront fixer-upper gem in one of the most desirable and rapidly appreciating corners of Lake Tarpon. The seller’s surprise relocation gives you the rare chance to snatch up this 4 bed, 3 bath luxury two-floor home on a lushly landscaped .42-acre lot with 150 feet of seawalled water frontage at the lowest price per sq ft in the area. Gutted down to the studs and ready for your vision, this home offers excellent opportunity for investors and savvy owner-occupants alike. So what makes this one so special? 1) Direct canal access to Lake Tarpon, with 150 ft of water frontage and seawall already in place. 2) Oversized .42-acre lot, with plenty of room for toys and boats, hosting, and potential future enhancements. 3) Massive 2-car garage providing ample extra storage space. 4) Huge back patio area with sliding glass doors, inviting you to unwind and savor peaceful evenings surrounded by nature. 5) 4 bedrooms and 3 bathrooms including a spacious upstairs master suite with walk-in closet and private bath. 6) Expansive family room with open-concept layout downstairs. 7) Large modern windows throughout providing an abundance of natural light and beautiful views. 8) Lush natural landscaping with mature palms and flowering trees in a serene tropical setting. 9) Prime location near schools, parks, restaurants, shopping, golf courses, and Tampa International Airport. Whether you're looking for your next flip, a long-term hold, or the perfect opportunity to design your dream waterfront home, this property offers unbeatable value and lifestyle potential in Palm Harbor. Easy to show. No HOA/CDD. Feel free to soft pitch before writing anything up. Ask me anything, big or small. If this is “NOT ON MY MLS,” disclosures and MLS info sheets are available. No assignable contracts accepted.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,640
Sqft
0.42 ac
Lot size
2
Garage
1952
Year built
Two
Levels
$146
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 — not generic estimates.
$4,023 /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
$4,023/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.
$/sqft vs TAMPA & TARPON SPGS LAND CO
$146 vs $473
Days on market
371 vs 47 typical
Where $146/sqft sits among the 6 homes for sale in TAMPA & TARPON SPGS LAND CO
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 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
2 of 6
TAMPA & TARPON SPGS LAND CO have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 112% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2620 TRENT ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,050,000
1130 ANCLOTE RD · same community
4 bd · 4.5 ba · 3,797 sqft · $277/sqft · 72 DOM
Sold · Nov ’25$2,400,000
1101 ANCLOTE BOULEVARD · same community
4 bd · 4.5 ba · 3,900 sqft · $615/sqft · 253 DOM
Sold · Jun ’26$555,000
455 PASAJE AVENUE · same community
4 bd · 3 ba · 2,310 sqft · $240/sqft · 89 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2620 TRENT ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2620 TRENT ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2620 TRENT ROAD FAQs
What would the monthly payment be for 2620 TRENT ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,023/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2620 TRENT ROAD?+
The most recent tax bill on record (2024) was $6,096. 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 2620 TRENT ROAD?+
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 $530,000, this home is listed about 40% above the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2620 TRENT ROAD?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — 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
$530,000 runs 112% above the PALM HARBOR 34684 median — but at 3,640 sqft it's also nearly 2 times the size of the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
371 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $550,000, now $530,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RICHARD PETERS REALTY LLC · Alexander Izikson. MLS #TB8413075.
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 2620 TRENT ROAD 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 Darrick to ping you on any price or status change →