1704 Hibiscus Circle, Oldsmar, FL 34677
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
1704 Hibiscus Circle in Harbor Palms-Unit Six, Oldsmar is listed at $425,000 (1,533 sq ft, about $277 per sq ft). That is 17% above Harbor Palms-Unit Six's median closed sale of $364,750 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $239/sq ft by about 16%. It has been listed Oct 6, 2026. Listing facts: built in 1973, a private pool, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1973 · 53 yrs
- 1,533 sq ft of living area
- 1-car garage
- Listed at $425,000 — recent neighborhood median sale price ~$364,750 (nearby sales; deemed reliable, not an appraisal)
- listed Oct 6, 2026
- No HOA reported by the listing (confirm)
About this home
Welcome to this beautifully remodeled 3-bedroom, 2-bathroom home in Oldsmar, offering a desirable split-bedroom floor plan, modern finishes, and exceptional Florida indoor-outdoor living. Featuring a brand-new roof installed in 2026, hurricane impact windows and doors, tile flooring throughout, and a fully remodeled interior, this home is truly move-in ready. The stunning kitchen features quartz countertops, brand-new cabinetry, stainless steel appliances, and a spacious island with bar seating, creating the perfect spot for casual meals, morning coffee, or entertaining guests.
The kitchen seamlessly flows into the spacious family room, surrounded by sliders and windows overlooking the sparkling pool, bringing in an abundance of natural light and creating a beautiful connection between the indoor and outdoor living spaces. The home offers two separate living areas, including a welcoming main living room and a secondary family room, providing plenty of flexibility for entertaining, relaxing, or everyday living. Both bathrooms have been completely remodeled, including the spacious primary suite with a double vanity and walk-in closet.
Step outside to your private backyard oasis featuring a freshly resurfaced swimming pool, new pavers, a newly screened pool enclosure, and a brand-new aluminum fence surrounding the property. The pool area also offers convenient direct access to a bathroom, making pool days and entertaining effortless. The freshly remodeled garage adds even more functionality, while a backyard storage shed provides additional space for tools, equipment, and outdoor essentials.
With no HOA, you have the freedom and flexibility to enjoy the property your way. Conveniently located in Oldsmar with easy access to Tampa International Airport, Gulf Coast beaches, shopping, dining, parks, and major roadways, this home combines modern upgrades, privacy, and the Florida lifestyle in one exceptional package. Zoned for Oldsmar Elementary, Carwise Middle, and East Lake High School, this is a fantastic opportunity to own a completely updated home in a highly convenient Oldsmar location.
All 6 photos
Description provided by AMERICAN HERITAGE REALTY, INC. and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,336/mo 74%
- Taxes $606/mo 19%
- Insurance $231/mo 7%
$3,172/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pinellas County Schools FY2025-26 adopted budget (first public hearing, 6.293 mills proposed tax millage); 0.5->1.0 mill operating referendum effective 7/1/2025. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 1704 Hibiscus Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $650/yr (certified county roll, taxable value × millage). Buy at the asking price of $425,000 and the first-year bill resets to about $7,275/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.39 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1973. An original roof would be about 53 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $766/month (tax $606, insurance $159). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the harbor palms unit eleven market
How this home is priced against recent nearby sales, and where harbor palms unit eleven has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in harbor palms unit eleven
Each dot is a closed sale since 2006 (83 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $277/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
This home’s history
- 1973BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-06" data-fmt="dom">listed Oct 6, 2026</span>)
- Oct 6, 2026First seen on movewithmomentum.comObserved at $425,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $364,750 ($239/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $425,000 ($277/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 26% spread on the same house — here is what a model can't see:
- Condition & updates — a 1973 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Oct 6, 2026 on market vs. a 36-day community median
- 10 active listings competing, 1 under contract
- ≈3.6 months of supply
- 27 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 25, 2026.
Momentum Property Score
35/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.6 months of supply in the surrounding market and 19 days on market for this home, against a 36-day area median.Days on market:this home 19Area median: 36 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. As of September 20, 2026.
🟡 Asking $277 per square foot, about 16% above the community’s $239 median. harbor palms unit eleven’s 12-month median sold price per square foot is $239. Confidence: Low · 6 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
79% of homes in harbor palms unit eleven are owner-occupied. An estimated 21% are non-owner-occupied, including 8% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 235 homes matched. Community-level context.
Recent harbor palms unit eleven sales closed near 97.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 8 active listings in harbor palms unit eleven, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by AMERICAN HERITAGE REALTY, INC. · MLS # TB8555053
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More on HARBOR PALMS-UNIT SIX
Go deeper on HARBOR PALMS-UNIT SIX
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 1704 Hibiscus Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1973 (53 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 1,533 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,275/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,625 more per year than the current owner’s estimated bill (+1019%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 26, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1704 Hibiscus Circle and when was it built?
Per the listing record, 1704 Hibiscus Circle was built in 1973 and has 1,533 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1704 Hibiscus Circle in?
1704 Hibiscus Circle is in Harbor Palms-Unit Six in Oldsmar, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1704 Hibiscus Circle have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 1704 Hibiscus Circle differ from the current owner's?
The estimate on this page (about $7,275 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,625 more per year than the current owner’s estimated bill (+1019%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1704 Hibiscus Circle in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 1704 HIBISCUS CIRCLE in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
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No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.