3522 SHORELINE CIRCLE, Palm Harbor, FL, 34684 | $1,350,000

Welcome to this custom built executive residence with FULL SIZE IN-LAW SUITE on a conservation lot in North Pinellas County’s premier neighborhood, Cobb’s Landing on Lake Tarpon. This flexible home layout includes 4 bedrooms, 4 full bathrooms, 2 kitchens, 2 laundry rooms and a secondary private entrance for a completely private multi-generational living. 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 required. NEW CONCRETE TILE ROOF completed 2024 that includes a 10 year full warranty. The private primary suite offers French door access to the backyard and screened covered pool and hot tub. Large double head roman-shower, oversized double sinks, garden tub, water closet and expansive double closet area. 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, 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 another roman shower and multiple closets. The In-Law side has a private entrance, an oversized one car garage, laundry room, pantry, living/dining room, en-suite bathroom, walk in closet and sitting room attached to the large bedroom. 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. Enjoy an incredible selection of top-rated restaurants, shopping, and boutique experiences across all three vibrant communities, all just 30 minutes from Tampa International Airport. This meticulously maintained Palm Harbor home combines location, layout, and the beauty of nature - making it an exceptional opportunity in today’s market. All floor plans and dimensions are approximate. All square footage to be verified by buyer.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 97 x 158
  • Laundry: Inside, Laundry Room
  • Style: Custom
  • Year Built: 1987
  • Garage: 3-car Circular Driveway, Driveway
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,981
  • Acreage: 0.36
  • Lot Size: 97 x 158
  • Est. Taxes: $6,344
  • HOA Fee: $620 Annually
  • Lot Desc: Conservation Area, Unincorporated
  • Pool: Child Safety Fence, Deck, Gunite, In Ground, Pool Sweep, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Bar 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
  • MLS#: TB8467469
  • Days on Market: 30 days
  • Website: https://www.raveis.com
    /eprop/TB8467469/3522shorelinecircle_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/7/2026 2:55:02 AM)
Listing courtesy of Home Sold Realty LLC   Phone: 833-700-2782

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3522 SHORELINE CIRCLE, Palm Harbor, FL, 34684

$1,350,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,080,000 $1,080,000 $1,080,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.130% 5.984% 5.912%
Monthly Tax Payment $529 $529 $529
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,132 $6,389 $8,968
Total Monthly Payment $6,786 $7,043 $9,622

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.