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970 Valley View Cir, Palm Harbor, FL, 34684

$258/sqft·Deep Spring

4 bd2 ba1,998 sqft2 car garageSingle Family
Listed by TROPICAL LIFE REALTY, INC.· Last updated · MLS# TB8520237

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Est. monthly payment
$3,482/mo
Down payment (20%)
$103,000
Property taxes
$443/mo
HOA
$286/qtr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1990
Private pool
Gunite
2 car garage
8,259 sqft lot
Lot size
1,998 sqft
Living area

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanThermostatVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsSidewalk

970 Valley View Cir is a 1990-built home in Deep Spring, Palm Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,998 square feet of living space. Listed at $515,000 (about $258/sqft), 45 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $286 quarterly.

From the listing

Welcome to Your Tropical Oasis in the Highly Sought-After Deep Spring Community of Palm Harbor! This spacious 4-bedroom, 2-bath, 2-car garage pool home offers an exceptional open split-bedroom floor plan, abundant natural light, and numerous recent upgrades. Enjoy peace of mind with a brand-new roof and flat roof (2026), A/C system with new ductwork (2024), freshly painted interior (2025), updated lighting and ceiling fans, new entry and rear doors, and new kitchen appliances including the dishwasher, microwave, and range. Even better, the solar system will be paid off at closing, providing energy efficiency and long-term savings. As you enter, you'll immediately appreciate the living area featuring soaring ceilings and sliding glass doors that open to the screened pool area. The formal dining room provides an elegant space for entertaining, while the private primary suite is thoughtfully positioned on one side of the home for maximum privacy. The spacious primary retreat features a large walk-in closet and an ensuite bath complete with dual vanities, a garden tub, separate walk-in shower, and private water closet. At the heart of the home, the generously sized kitchen offers a convenient eat-in dinette and opens seamlessly to the inviting family room with a cozy fireplace and additional sliders leading to the pool area. Three additional bedrooms are generously sized and share a well-appointed guest bathroom. A dedicated pool-access door right next to the guest bath adds convenience for outdoor living and helps keep wet feet out of the main living spaces. Step outside to your private backyard paradise. The screen-enclosed pool enjoys desirable southern exposure, providing sunshine throughout the day and creating the perfect setting for relaxing, entertaining, and enjoying Florida living year-round. Residents of Deep Spring enjoy access to a community park, playground, scenic ponds, and beautiful tree-lined streets. Conveniently located near shopping, dining, top-rated schools, airports, and the area's award-winning Gulf beaches, this home truly offers the best of Palm Harbor living. Don't miss this incredible opportunity—schedule your private showing today!

The essentials

Built
1990
Price / sqft
$258
On market
89 days
Annual tax
$5,312
HOA
$286/qtr
Flood zone
X · Low risk
Lot
8,259 sqft
Type
Single Family Residence

Location

970 Valley View Cir
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1990
Lot
8,259 sqft
Cooling
Central Air
Heating
Central, Electric, Solar
Parking
-
Pool
Gunite, In Ground, Screen Enclosure
Days on Market
89
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Sidewalk
Park
Playground
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator

Elementary

Lake St George Elementary-PN

Middle

Palm Harbor Middle-PN

High

Countryside High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$5,312

Parcel #

18-28-16-20684-000-0580

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Deep Spring

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

8,259 sqft

Cul-De-SacIn CountySidewalkPaved
HOA
$286/qtr
Deep Spring Community Association
Date
Event
Price
9/1/2026
Price change
Source: Stellar MLS #TB8520237
$515,000-2.6%
$258/sqft
Price change
Source: Stellar MLS #TB8520237
$529,000-3.8%
$265/sqft
6/17/2026
Listed for sale
Source: Stellar MLS #TB8520237
$550,000+57.1%
$275/sqft
9/1/2019
Sold
Source: Pinellas County Public Record
$350,000
$175/sqft
Est. monthly payment$3,481/mo
Principal & interest$2,686
Property taxes$443
Insurance$258
HOA$95
Down payment20% · $103,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $515,000
$505,000 – $515,000
98.5% – 100% of listTops out right at the list price
80% of listList price
56 of the last 110 home closings in 34684 landed at this number or higher (51%). The median one sat 15 days before it went under contract, and this one is on day 89 after a $35,000 cut.

Sample: 110 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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