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Single Family ResidenceResidential
$397,983$308 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $285,000 on Aug 15, 2022

3649 SAPPHIRE LN

PALM HARBOR, FL 34684
3
Beds
2
Baths
1,292 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$398K
$378K low$418K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$285,000 · Aug 15, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,785 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$188,635 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$183,319
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$325,580

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.45%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
CountyPINELLAS
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1993
Lot (acres)The size of the land the home sits on, from county records.0.10
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 280 ft²Patio · 280 ft²Porch · 304 ft²Outdoor kitchen

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Curlew Creek ElementaryA
Elementary · Grades PK–5 · 0.3 mi
H
Countryside High SchoolC+
High · Grades 9–12 · 2.2 mi
M
Palm Harbor Middle SchoolB+
Middle · Grades 6–8 · 2.6 mi

District: Pinellas County School District

Neighborhood · ZIP 34684These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.27,227
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,495 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,861
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,442
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3649 Sapphire Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Palm Harbor 34684
  • Costs more per square foot than 95% of homes in Countryside Palms
  • Smaller than 72% of homes in Countryside Palms
  • Has a smaller lot than 93% of homes in Pinellas County
  • Newer than 97% of homes in Countryside Palms

What homes are worth in Palm Harbor 34684

Each bar is how many homes fall in that price range. The marker is this home.

This home
$140K$844K

This home is worth more than 71% of homes in Palm Harbor 34684.

How it measures up in Palm Harbor 34684

The dot is this home. The mark in the middle is the typical home in Palm Harbor 34684.

Estimated value$397,983
CheaperTypical $314,161Pricier

Pricier than 71% of homes nearby

Price per ft²$308
CheaperTypical $235Pricier

Pricier than 94% of homes nearby

Living area1,292 ft²
SmallerTypical 1,325 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.11 ac
SmallerTypical 0.19 acBigger

Bigger than 15% of homes nearby

Year built1992
OlderTypical 1984Newer

Newer than 93% of homes nearby

How 3649 Sapphire Ln ranks against every home in each area.
MeasureThis homeCountryside PalmsPalm Harbor 34684Pinellas County
Estimated valuepricier than$397,98354% of homes71% of homes59% of homes
Price per ft²pricier than$30895% of homes94% of homes71% of homes
Living areabigger than1,292 ft²28% of homes47% of homes48% of homes
Lot sizebigger than0.11 ac30% of homes15% of homes7% of homes
Year builtnewer than199297% of homes93% of homes85% of homes

About 3649 Sapphire Ln

How much is 3649 Sapphire Ln, Palm Harbor, FL worth?

The TopHap Estimate for 3649 Sapphire Ln, Palm Harbor, FL is $397,983 as of Sep 24, 2026. The likely range is $377,931 to $418,035. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3649 Sapphire Ln, Palm Harbor, FL last sell?

3649 Sapphire Ln, Palm Harbor, FL last sold on Aug 15, 2022 for $285,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3649 Sapphire Ln, Palm Harbor, FL?

3649 Sapphire Ln, Palm Harbor, FL has 3 bedrooms, 2 bathrooms, 1,292 square feet of living space and a 0.10-acre lot.

When was 3649 Sapphire Ln, Palm Harbor, FL built?

3649 Sapphire Ln, Palm Harbor, FL was built in 1992, making it 34 years old. It is a custom design home. The building has 1 story.

What schools serve 3649 Sapphire Ln, Palm Harbor, FL?

3649 Sapphire Ln, Palm Harbor, FL is assigned to Curlew Creek Elementary (elementary), rated A; Countryside High School (high), rated C+; Palm Harbor Middle School (middle), rated B+. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3649 Sapphire Ln, Palm Harbor, FL compare to other homes in Palm Harbor 34684?

Among the 12,642 homes in Palm Harbor 34684, it is worth more than 71% of them ($397,983 against a typical $314,161), its price per square foot is higher than 94% of them ($308 against a typical $235), it is bigger than 47% of them (1,292 ft² against a typical 1,325 ft²), its lot is bigger than 15% of them (0.11 ac against a typical 0.19 ac) and it is newer than 93% of them (1992 against a typical 1984). Measured against all of Pinellas County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3649 Sapphire Ln, Palm Harbor, FL?

The 2025 property tax bill for 3649 Sapphire Ln, Palm Harbor, FL was $2,785. The county assessed it at $188,635.

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