2107 PINNACLE CIRCLE S, Palm Harbor, FL, 34684 | $1,250,000

Under contract-accepting backup offers. Nestled within the exclusive Pinnacle at Cobb’s Landing, this distinguished Marc Rutenberg custom residence exemplifies timeless architecture, refined craftsmanship, and gracious Florida living. Offering over 3, 100 square feet of thoughtfully designed single-story living, this five-bedroom, three-bath home delivers a seamless balance of elegance, comfort, and functionality. A well-planned split-bedroom layout ensures privacy, while expansive living spaces are enhanced by soaring ceilings, coffered architectural details, crown molding, and a curated blend of wood and porcelain tile flooring.

At the center of the home, the open-concept kitchen and family room create an inviting atmosphere for both intimate gatherings and grand entertaining. The kitchen features solid wood cabinetry, solid surface countertops, gas appliances, and generous storage, flowing effortlessly into the family room where a gas fireplace adds warmth and character. Formal living and dining areas provide versatility for hosting, while a private den or office offers a quiet and refined workspace. The primary suite is privately positioned and serves as a true retreat, complete with a spacious walk-in closet and a well-appointed en suite bath designed for relaxation. GENERATOR: Gas Generx 24KW 6/23, ROOF: 1/2021.

Outdoor living is elevated by a screened-in private pool, covered porches, and mature landscaping that together create a serene and private setting. An oversized three-car garage provides ample space for vehicles, storage, and recreational equipment. Residents of Pinnacle at Cobb’s Landing enjoy exclusive access to a community boat ramp with direct access to Lake Tarpon, along with parks, tennis courts, basketball courts, and sidewalks. Ideally located near golf courses, marinas, shopping, dining, and top-rated Palm Harbor schools, this exceptional residence represents an opportunity to own a truly timeless home in one of Palm Harbor’s most desirable communities.

Features

  • Amenities: Basketball Court, Fence Restrictions, Playground, Tennis Court(s)
  • Rooms: 11
  • Bedrooms: 5
  • Baths: 3 full
  • Lot Size: 101 x 130
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 1995
  • Garage: 3-car Deeded, Driveway, Garage Door Opener, Oversized
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,109
  • Acreage: 0.29
  • Lot Size: 101 x 130
  • Est. Taxes: $16,430
  • HOA Fee: $390 Quarterly
  • Lot Desc: In County, Near Golf Course, Near Marina, Near Public Transit, Sidewalk, Unincorporated
  • Elem. School: Highland Lakes Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pool: Gunite, In Ground, Pool Sweep, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Gas Water Heater, Kitchen Reverse Osmosis System, Microwave, Refrigerator, Water Softener
  • MLS#: TB8470724
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /eprop/TB8470724/2107pinnaclecircles_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 3/1/2026 6:04:47 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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

2107 PINNACLE CIRCLE S, Palm Harbor, FL, 34684

$1,250,000

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 $1,000,000 $1,000,000 $1,000,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.750% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.046% 5.846% 5.700%
Monthly Tax Payment $1,369 $1,369 $1,369
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,522 $5,836 $8,171
Total Monthly Payment $7,016 $7,330 $9,665

* 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.