428 KLOSTERMAN ROAD W, Palm Harbor, FL, 34683 | $598,000

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Boater's Paradise! UNAFFECTED BY HURRICANES, No damage or flooding here! LOWEST PRICED HOME IN PINELLAS WITH GULF ACCESS! JUST UPDATED, NEW POOL AND PUMP! NEW DECKING. LIFT SERVICED AND PAINTED! NEW BOATHOUSE PAINT! Salt water living with direct access to the Gulf of Mexico. This Florida style 4 bedrooms, 2 bathrooms, POOL home is located in Beautiful Palm harbor, FL. Enter to find gorgeous wood-like flooring, tons of light and soaring ceilings. The bottom floor offers 2 bedrooms, 1 Office (or Bedroom) full bathroom, kitchen, living room, and laundry room. The whole upstairs is the spacious Master suite which also includes a remodeled bathroom, walk-in closets, and large loft (flex space) overlooking the living room. There is a walk out deck from the master, perfect to enjoy your morning coffee. Sliding doors lead from the kitchen and living room out to this beautiful custom built Key West style back yard which includes a Large Boathouse (13'x23') with an updated ceiling and fresh paint. There is full electric so you can watch tv or plug in essentials for entertaining. The spectacular view is directly overlooking the water. The NEW wood/composite deck (gray) is over 1700 sq. ft, has plenty of room for dining or sunning, and includes a beautiful, large sparkling blue swimming pool. You will love the low maintenance natural rip/rap rock (no seawall needed) with your own dock and boat lift accommodating boats up to 27ft. There is extra space in the yard for boats, trailers, or storage as well and a beautiful custom Koi pond. Nice and private with New Vinyl fencing 2019. Home Has been freshly painted top to bottom. NEW KITCHEN, New Stainless Dishwasher, Microwave and Refrigerator 2020. All new window treatments in 2020. NEW ROOF in August 2018. Newer AC. All new hardware and updated lighting throughout. Move right in and and live like you are on vacation in your own private oasis within this desirable Boating Community. BONUS**This home comes equipped with a whole house generator/shed for storage. Enjoy your 2 car garage and widened driveway with tons of room for parking. NO HOA (optional). LOW Flood Ins. Close to beaches and entertainment. Schedule your private showing today!

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 80 x 140
  • Laundry: Inside
  • Year Built: 1993
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,772
  • Acreage: 0.31
  • Lot Size: 80 x 140
  • Est. Taxes: $6,340
  • HOA Fee: $60 Annually
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8396848
  • Days on Market: 271 days
  • Website: https://www.raveis.com
    /prop/TB8396848/428klostermanroadw_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/15/2026 1:01:20 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

428 KLOSTERMAN ROAD W, Palm Harbor, FL, 34683

$598,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $478,400 $478,400 $478,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.648%
Monthly Tax Payment $528 $528 $528
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,830 $2,946 $3,877
Total Monthly Payment $3,450 $3,566 $4,497

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.