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Welcome to this delightful single-family home tucked away in the heart of Palm Harbor’s highly desirable Beacon Groves subdivision. Perfectly positioned on a spacious corner lot, this 3-bedroom, 2-bath property includes a versatile bonus room that can serve as a 4th bedroom, office, or studio—adding flexibility for today’s lifestyle. With no HOA, no flood insurance required (86’ above sea level), and an unbeatable location in one of Pinellas County’s most sought-after communities, this home truly stands out. BRAND NEW FLAT ROOFS completed 10/6/25 by Albright Family Roofing, permit #EBP-25-19334. From the moment you arrive, the curb appeal is undeniable. A charming front courtyard creates a warm welcome and offers the perfect spot to enjoy a quiet morning coffee or evening relaxation. Inside, you’ll find an inviting open-concept floor plan designed for both comfort and entertaining. The kitchen features a breakfast bar with seating, and a large pantry closet, seamlessly connecting to the dining area and a generously sized living room with vaulted ceilings. A wood-burning fireplace adds cozy character, while the adjoining family room provides additional space and opens directly to the backyard.
The outdoor living area is designed for gatherings and Florida-style entertaining, with a large, fenced yard, expansive patio, and screened, covered porch that’s ideal for a spa. Dual gates on either side of the home make storing a boat, jet skis, or other toys a breeze, while the privacy fence creates a secure environment for pets and play.
Inside, the primary suite includes a double closet and en suite bath with walk-in shower. Two additional bedrooms with walk-in closets share a full hall bath with tub and shower. Laminate flooring runs throughout the main living areas and bedrooms, offering easy care and a clean, modern look. The converted garage is divided into a bonus room (11’x14’) and a laundry room, leaving the garage of 8’x25’ perfect for storing bikes, motorcycles, tools, etc. and could easily be returned to a full garage if desired.
All of this comes with the added benefit of being zoned for top-rated Palm Harbor schools, with convenient access to US 19, Belcher Road, downtown Palm Harbor, shopping, dining, and Gulf beaches. Move-in ready and full of charm, this property is the perfect opportunity to own your own slice of paradise in Palm Harbor.
This property is ready for you to move in and start creating wonderful memories. Don’t miss this opportunity to make this lovely house your home. NOT IN A FLOOD ZONE.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $351,200 | $351,200 | $351,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.292% | 5.609% |
| Monthly Tax Payment | $560 | $560 | $560 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,994 | $2,134 | $2,846 |
| Total Monthly Payment | $2,629 | $2,769 | $3,481 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.