
2599 DOLLY BAY DRIVE UNIT 306, PALM HARBOR, FL, 34684
Active5 days on marketListed Aug 6, 2026MLS #TB8535290
About this home
2599 DOLLY BAY DRIVE UNIT 306
COME LIVE THE FLORIDA LAKE LIFESTYLE! Move-In Ready and thoughtfully remodeled, this furnished (optional) 2-bedroom, 2.5-bath, two-story condominium offers dual primary suites, soaring vaulted ceilings, direct access to beautiful 2,534-acre Lake Tarpon, boat slips available on a first-come, first-served basis, kayak storage, a New HVAC (2024), New Metal Roof (2024), New Electrical Panel, a Clean 4-Point Inspection (April 2026), and the added peace of mind of being located in Flood Zone X—all within Dolly Bay, one of Palm Harbor's most charming waterfront communities. With just 84 residences, Dolly Bay offers a warm, neighborly atmosphere surrounded by mature trees, tranquil ponds, scenic boardwalks, abundant Florida wildlife, and direct access to one of Pinellas County's premier freshwater lakes. Stretching nearly 9 miles with approximately 16 miles of shoreline, Lake Tarpon is renowned for exceptional bass fishing, boating, kayaking, paddleboarding, and spectacular sunsets. This spacious 1,633-square-foot residence is filled with natural light and features soaring vaulted ceilings, an open floor plan, inside laundry, abundant storage, a usable attic, and a versatile nook beneath the staircase that's perfect for a home office, reading area, decorative display, or pet retreat. The beautifully remodeled kitchen showcases real wood soft-close cabinetry, granite countertops, stainless steel appliances, a Breakfast Bar, Coffee Station, and abundant cabinetry. Matching granite continues throughout the bathrooms, while elegant wainscoting and a convenient Wet Bar make entertaining effortless. The home is being offered furnished for the seller's convenience, with the option to remove furnishings if preferred by the buyer, making it ideal as a primary residence, seasonal retreat, or investment opportunity. Upstairs, both bedrooms are spacious private suites with their own ensuite bathrooms, offering exceptional privacy for owners and guests. Relax on your screened balcony overlooking the peaceful pond and scenic boardwalk while enjoying the sights and sounds of owls, songbirds, squirrels, and Florida's natural beauty. Community amenities include a heated lakefront pool, clubhouse, tennis courts, waterfront boardwalk, fishing dock, fish cleaning station, community fire pit, picnic area with BBQ grills, and private access to Lake Tarpon. Boat slips are available on a first-come, first-served basis (currently $1,000/year), and kayak storage is available for just $100/year. The home includes one assigned parking space plus ample guest parking and is conveniently located near John Chesnut Sr. Park, the Pinellas Trail, Gulf beaches, shopping, dining, golf courses, top-rated healthcare, St. Pete/Clearwater and Tampa International Airports. Whether your perfect day includes boating across Lake Tarpon to the Tarpon Turtle Waterfront Grill for lunch or dinner, casting a fishing line at sunrise, paddling peaceful waters by kayak, or relaxing around the community fire pit with neighbors, Dolly Bay offers the Florida waterfront lifestyle you've been searching for. It's more than a home... it's the Florida lifestyle. Welcome to Dolly Bay.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,633
Sqft
0 ac
Lot size
1984
Year built
Two
Levels
$165
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,766 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,766/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−47.7%
$/sqft vs Palm Harbor actives
$165 vs $261
Days on market
5 vs 50 typical
Where $165/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dolly Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Dolly Bay — neighborhood snapshot
Population
421
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
36%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
230 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2599 DOLLY BAY DRIVE UNIT 306
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$429,900
2661 KNOLL STREET E
3 bd · 2 ba · 1,694 sqft · $254/sqft · 127 DOM
Sold · Jul ’26$445,000
2972 ROBINWOOD LANE
3 bd · 2 ba · 1,701 sqft · $262/sqft · 1 DOM
Sold · Dec ’25$275,000
2490 GROVE RIDGE DRIVE
3 bd · 2 ba · 1,711 sqft · $161/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2599 DOLLY BAY DRIVE UNIT 306 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2599 DOLLY BAY DRIVE UNIT 306 — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2599 DOLLY BAY DRIVE UNIT 306 FAQs
What would the monthly payment be for 2599 DOLLY BAY DRIVE UNIT 306?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,766/mo — principal and interest, the actual property-tax bill, the $659/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2599 DOLLY BAY DRIVE UNIT 306?+
The association fee works out to $659 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2599 DOLLY BAY DRIVE UNIT 306?+
The most recent tax bill on record (2025) was $2,880. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2599 DOLLY BAY DRIVE UNIT 306?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $269,700, this home is listed about 29% below the Palm Harbor median of $377,945. The market section on this page shows how the area is trending.
Which schools are assigned to 2599 DOLLY BAY DRIVE UNIT 306?+
Highland Lakes Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
02Know the monthly fee
The association fee is $659/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 50 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michelle Rinello. MLS #TB8535290.
IDX 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 accurate by Stellar MLS.
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