Who Has The Advantage?
Sellers Have The Advantage
3.5 months
Months Of Homes For Sale
If no new homes came up for sale, it would take about 3.5 months to sell the homes currently available.
Real estate term: Months of Supply
SellersBalancedBuyers
34685 Real Estate Market
34685 Housing Market: Palm Harbor, FL
What's Happening With Homes in 34685?
Updated November 9, 2026
Homes in ZIP code 34685 sold for a median of $397,500 as of November 9, 2026, down 4.7% from the same 90-day period a year earlier. In ZIP code 34685, the typical home took 23 days to sell, counting total time on market, and 75 homes were for sale as of November 9, 2026.
See What Your Home Is WorthThis Week's Florida Market Report
Florida Housing Market Update November 9, 2026: Rates at 6-Week Low, Homes Selling Faster
Market Pulse This Week
As of November 9, 2026
75
Homes For Sale
Active inventory buyers can choose from
10
New In The Last 30 Days
Listings newly added to the market
21
Price Changes In The Last 30 Days
Homes that changed price this week
14
Went Under Contract
Homes that found a buyer this week
0
Back On Market
Homes returned for sale this week
What Are Homes Selling For?
$397,500
Typical Sale Price
$240
Typical Price Per Sq. Ft.
97.8%
Of Asking Price
At this ZIP's typical close-to-list ratio, a home listed at $500,000 would have sold for about $489,000.
How Long Does It Take?
23 days
Typical Time To Sell
6.7%
Share Of Homes Listed Before
Some homes are relisted, which restarts the clock on most sites. This counts total time on market.
Are Sellers Changing Their Prices?
As of November 9, 2026
68.0%
Of Homes For Sale Are Below Their Original Asking Price
0
Price Changes This Week
21
Price Changes In The Last 30 Days
0.0%
Share Of Inventory That Changed Price This Week
$29,900 (5.4%)
Typical Reduction Among Reduced Listings
More sellers changing their asking price can be a sign that buyers are being selective.
Who Has The Advantage?
Sellers Have The Advantage
2.2 months
Months Of Homes For Sale
If no new homes came up for sale, it would take about 2.2 months to sell the homes currently available.
Real estate term: Months of Supply
SellersBalancedBuyers
How Long Does It Take?
9.4%
Share Of Homes Listed Before
Are Sellers Changing Their Prices?
As of November 9, 2026
65.6%
Of Homes For Sale Are Below Their Original Asking Price
0
Price Changes This Week
10
Price Changes In The Last 30 Days
0.0%
Share Of Inventory That Changed Price This Week
$50,000 (5.4%)
Typical Reduction Among Reduced Listings
More sellers changing their asking price can be a sign that buyers are being selective.
Where Have Prices Been Going?
As of November 9, 2026
$740K -> $662.5K Down 10.5% over the last 12 months
The typical sale price moved from $740,000 in Nov 2025 to $662,500 in Oct 2026, down $77,500.
Who Has The Advantage?
Buyers Have More Negotiating Power
7.1 months
Months Of Homes For Sale
If no new homes came up for sale, it would take about 7.1 months to sell the homes currently available.
Real estate term: Months of Supply
SellersBalancedBuyers
How Long Does It Take?
10.0%
Share Of Homes Listed Before
Are Sellers Changing Their Prices?
As of November 9, 2026
75.0%
Of Homes For Sale Are Below Their Original Asking Price
0
Price Changes This Week
6
Price Changes In The Last 30 Days
0.0%
Share Of Inventory That Changed Price This Week
$14,500 (5.4%)
Typical Reduction Among Reduced Listings
More sellers changing their asking price can be a sign that buyers are being selective.
Where Have Prices Been Going?
As of November 9, 2026
$200K -> $175.5K Down 12.3% over the last 12 months
The typical sale price moved from $200,000 in Nov 2025 to $175,500 in Oct 2026, down $24,500.
Who Has The Advantage?
A Balanced Market
4.1 months
Months Of Homes For Sale
If no new homes came up for sale, it would take about 4.1 months to sell the homes currently available.
Real estate term: Months of Supply
SellersBalancedBuyers
How Long Does It Take?
0.0%
Share Of Homes Listed Before
Are Sellers Changing Their Prices?
As of November 9, 2026
66.7%
Of Homes For Sale Are Below Their Original Asking Price
0
Price Changes This Week
5
Price Changes In The Last 30 Days
0.0%
Share Of Inventory That Changed Price This Week
$27,500 (7.3%)
Typical Reduction Among Reduced Listings
More sellers changing their asking price can be a sign that buyers are being selective.
Where Have Prices Been Going?
As of November 9, 2026
$340K -> $397.5K Up 16.9% over the last 12 months
The typical sale price moved from $340,000 in Nov 2025 to $397,500 in Oct 2026, up $57,500.
Who Has The Advantage?
There were not enough recent sales to judge the balance of this market.
How Long Does It Take?
0.0%
Share Of Homes Listed Before
Are Sellers Changing Their Prices?
As of November 9, 2026
62.5%
Of Homes For Sale Are Below Their Original Asking Price
0
Price Changes This Week
0
Price Changes In The Last 30 Days
0.0%
Share Of Inventory That Changed Price This Week
$10,000 (2.4%)
Typical Reduction Among Reduced Listings
More sellers changing their asking price can be a sign that buyers are being selective.
Where Have Prices Been Going?
As of November 9, 2026
$385K -> $299.5K Down 22.2% over the last 12 months
The typical sale price moved from $385,000 in Nov 2025 to $299,500 in Oct 2026, down $85,500.
Is The 34685 Market Changing?
As of November 9, 2026
| Metric | 34685 Now | Last Year | Palm Harbor |
|---|---|---|---|
| Homes For Sale | 75 | 81 | 490 |
| Typical Sale Price | $397,500 34685 is 3.3% lower | $417,104 | $410,923 |
| Homes Sold, 30 Days | 13 | 15 | 71 |
As of November 9, 2026, homes in 34685 had 3.5 months of supply, compared with 4.1 months across Palm Harbor as a whole. The typical home here took 23 days to sell, against 40 days citywide.
Homes For Sale In 34685
Listed on the MLS
$139,900about $1,744/mo
3399 Mermoor Unit 210
Palm Harbor, FL 34685
2 bd · 1 ba · 850 sq ft
Condo
$165 per sq ft · HOA about $618 per month
Listed on the MLS
$824,900about $5,673/mo
4730 Wrentham
Palm Harbor, FL 34685
4 bd · 3 ba · 2,296 sq ft
Single Family
Waterfront · $359 per sq ft · HOA about $134 per month
Listed on the MLS
$200,000about $1,819/mo
3389 Crystal Unit D
Palm Harbor, FL 34685
2 bd · 1 ba · 860 sq ft
Condo
$233 per sq ft · HOA about $357 per month
Listed on the MLS
$299,999about $2,084/mo
1801 Lake Unit 1d
Palm Harbor, FL 34685
3 bd · 2 ba · 1,520 sq ft
Condo
$197 per sq ft · No HOA
Listed on the MLS
$260,000about $2,374/mo
3430 Hillmoor
Palm Harbor, FL 34685
2 bd · 2 ba · 946 sq ft
Villa
$275 per sq ft · HOA about $347 per month
Listed on the MLS
$995,000about $7,221/mo
4034 Executive
Palm Harbor, FL 34685
4 bd · 3 ba · 3,096 sq ft
Single Family
$321 per sq ft · HOA about $379 per month
Listed on the MLS
$450,000about $3,256/mo
3609 Darston
Palm Harbor, FL 34685
2 bd · 2 ba · 1,631 sq ft
Single Family
Waterfront · $276 per sq ft · HOA about $288 per month
Listed on the MLS
$849,900about $6,058/mo
3553 Florian
Palm Harbor, FL 34685
4 bd · 3 ba · 2,449 sq ft
Single Family
$347 per sq ft · HOA about $190 per month
Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET.
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Why Can The Numbers Sometimes Jump Around?
Not every home is the same, so if more large or expensive homes sell in a given month, the typical sale price can rise even when the market has not really changed.
1,810 sq ft
Typical Size Of Homes Sold
0.0%
New Construction
Mix By Property Type
- Single Family7 (53.8%)
- Condo3 (23.1%)
- Townhome2 (15.4%)
- Villa1 (7.7%)
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Questions About The 34685 Real Estate Market
Yes, now is a favorable time to sell in 34685. As of November 9, 2026, 34685 shows 3.5 months of supply and 75 active listings, conditions typical of a seller's market in Palm Harbor. Individual results still depend on pricing, condition, and location within the ZIP code.
The typical home in 34685 took 23 days to sell as of November 9, 2026, counting total time on market including any earlier listing periods for the same property. That figure reflects recent closed sales in Palm Harbor, not just the homes currently listed for sale in the ZIP code today.
Homes in 34685 sold for about 97.8% of asking price as of November 9, 2026, based on the median close-to-list ratio over the last 30 days, meaning a home listed at $500,000 typically sold for about $489,000. That figure includes homes that sold above list and below list within ZIP code 34685.
34685 is currently a seller's market as of November 9, 2026, with about 3.5 months of supply and 75 homes currently for sale. Months of supply compares active inventory to recent sales, and values below about 4 months generally favor sellers while values above about 6 months favor buyers in Palm Harbor.
Home prices in 34685 were down 4.7% year over year as of November 9, 2026, comparing the median sale price from the last 90 days with the same period a year earlier. Monthly swings can differ, but that figure shows the broader price direction for closed sales in ZIP code 34685.
As of November 9, 2026, there are 75 homes for sale in ZIP code 34685, representing active MLS listings buyers can shop today. That count shifts weekly as new listings arrive and others go under contract, so check back for the latest inventory in the ZIP code.
Selling a home in 34685 through HomeJam starts at $499 for the DIY tier, with Guided at 1 percent and Concierge at 2.5 percent of the sale price. Your total cost depends on which tier you choose plus other transaction expenses such as title, taxes and any concessions you agree to.
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About This Data
Market statistics are calculated using MLS data for ZIP code 34685.
Data is updated weekly. Last updated November 9, 2026.
Data courtesy of Stellar MLS as distributed by MLS GRID as of November 1, 2025 through November 9, 2026.