Eagle Cove
Homes for Sale in Palm Harbor, FL
All 552 homes for sale in Palm Harbor, FL · median $375,250 · 80 homes for sale in 34685 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of September 2026, the MLS records 31 closed sales in Eagle Cove in Palm Harbor, FL since 2004, the most recent in February 2026. Recorded prices since 2024 ran from $525,000 to $639,000 (median $589,000), on homes of 1,936 to 2,430 sq ft. Across Palm Harbor as a whole, 852 homes closed in the last 12 months at a median of $365,000, 46 median days on market, with 238 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $11,420 ($10,610 with the full homestead exemption).
| Location | Palm Harbor, Pinellas County, FL · ZIP 34685 |
|---|---|
| Homes in the community | 72 (FL DOR 2025 assessment roll) |
| Years built | 1989–1994 (median 1991.5) |
| Typical living area | 2,304 sq ft (median) |
| Amenities listed by sellers | Deed Restrictions |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 85% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Eagle Cove key facts,” movewithmomentum.com/neighborhoods/eagle-cove, data as of September 20, 2026.

Eagle Cove is a small, tightly defined pocket of 72 homes in Palm Harbor, all built inside a narrow window between 1989 and 1994. When the housing stock is this uniform in age and the median home runs around 2,304 square feet, price is driven less by wildly different floor plans and more by condition, updates, and lot. At a median of $624,900 and roughly $294 per square foot, the market is asking a premium for a move-in-ready home and will discount honestly for one that needs work.
The posture right now favors a patient seller and a deliberate buyer. A median 67 days on market is not a fast turn, so sellers should price to the condition of the home rather than to the top of recent comps, and buyers have room to inspect and negotiate. The 8.8% year-over-year move shows the direction has been up, but with only three closings in the window, individual sales carry a lot of weight — read each comp on its own merits rather than assuming a trend.
Nearby homes for sale
No active listings inside Eagle CoveHomes for Sale in Palm Harbor, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Eagle Cove is a compact, single-era neighborhood in Palm Harbor where the homes are broadly similar in size and vintage, which makes condition and updates the real differentiators on price. With an owner-occupancy share near 85%, turnover is limited and inventory moves slowly rather than churning.
Stellar MLS sales records identify 46 homes in Eagle Cove that have changed hands since 2004, built between 1989 and 1994 (median 1991), with a median living area of about 2,098 sq ft and a typical 4-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 5 qualified sales in Eagle Cove across 2024–2025 (1 in 2024, 4 in 2025), median $582,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Eagle Cove is best for.
Best for
- Buyers with a budget in the low-to-mid $600s looking for a move-in-ready home around 2,300 square feet
- Value-minded buyers willing to take on an original home and update it, capturing the condition-driven spread
- Long-hold buyers who prize a stable, largely owner-occupied street over a fast-turning market
Probably not for
- Anyone needing a quick close, given the roughly 67-day median time on market
- Investors chasing rental churn, in a neighborhood where owner-occupancy runs near 85%
- Buyers who want new construction or a wide range of floor plans and build years to choose from
The market around Eagle Cove
Eagle Cove is too small for its own price trend, so here is the market around it.
In ZIP 34685, 95 homes are on the market and 24% are under contract — a steady corner of Palm Harbor.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
In ZIP 34685 (Palm Harbor), 226 homes closed in the last 12 months at a median of $445K ($240/sq ft), down 3.3% year over year, with a median 53 days on market. Right now 37 active and 10 pending listings put supply at about 4.3 months — a balanced market. See the live ZIP 34685 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Eagle Cove specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Eagle Cove, Palm Harbor
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
The Eagle Cove buying strategy.
If we were buying in Eagle Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Eagle Cove.
A single-vintage enclave where condition sets the price
Because every home here dates to a five-year build window and clusters around 2,304 square feet, you are essentially comparing like against like. That is unusual and useful: the spread in price comes down to what an owner has or hasn't done — kitchens, baths, roofs, systems, and finishes. Expect a wide gap between a thoughtfully updated home and one that is largely original, and expect that gap to show up in both the sale price and the days it takes to sell.
The high homestead share — about 85% — tells you this is an owner-occupied street, not an investor churn. That tends to mean homes are held longer and inventory stays thin, which is part of why the median sits at 67 days rather than turning quickly. For a buyer, that patience cuts both ways: fewer choices at any given moment, but more time to do diligence when something does list.
The location and the amenities are priced into every listing in Eagle Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood this small with only a handful of recent closings, a single comp can swing a valuation. We read each sale on its condition and updates rather than treating the median as a target, and we help sellers price to what their home actually is — and help buyers see where a discount is earned versus where it isn't.
Eagle Cove in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $47/month (about $564/yr) · median of 35 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $47 per month ($564 a year) — the median AssociationFee across 35 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Eagle Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Eagle Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Eagle Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Eagle Cove home worth?
Get a no-obligation home value based on real comparable sales in Eagle Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
How many homes are in Eagle Cove?
What share of Eagle Cove is owner-occupied?
When were the homes in Eagle Cove built?
Who is the best real estate agent for Eagle Cove?
How do I find a top Palm Harbor real estate agent who knows Eagle Cove?
Can Momentum Realty connect me with an agent for Eagle Cove?
Where is Eagle Cove, and what county is it in?
Should you buy in Eagle Cove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34685)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2004 (31 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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