3521 KINGS ROAD, #102, Palm Harbor, FL, 34685 | $319,000

Welcome to Waterford at Palm Harbor, a beautifully maintained, gated, luxury townhome-style condo in the highly desirable East Lake area. This spacious 3-bedroom, 2. 5 bath residence offers 1, 559 sq ft of comfortable living and the perfect blend of privacy, convenience, and community amenities. The home also features new flooring and updated kitchen appliances, adding modern appeal and move-in-ready comfort. Step inside to an inviting open floor plan filled with natural light, cathedral ceilings, and peaceful views of lush greenery of the natural preserve behind the home. The kitchen boasts a breakfast bar overlooking the living room, creating an ideal setting for everyday living and entertaining. The first floor primary suite provides comfort and convenience with a walk-in closet and a beautifully appointed en-suite bath. Enjoy your morning coffee or unwind in the evening on the screened-in lanai, offering tranquil surroundings and fresh Florida air.
Upstairs, you’ll find two additional generously sized bedrooms and a full bath, perfect for guests, family, or a home office setup. Additional highlights include an attached 1-car garage, ample storage, and in-unit convenience features such as central air, ceiling fans, and window treatments. Located in a pet-friendly community, Waterford at Palm Harbor offers resort-style amenities including a community pool, heated spa, fitness center, playground, and clubhouse. The location is second to none, minutes from shopping, dining, the Pinellas Trail, John Chesnut Park, top-rated schools (Carwise, Cypress Woods Elementary & East Lake High), and Gulf Coast beaches. Whether you're looking for a primary residence or long-term investment opportunity, this home checks all the boxes. Schedule your showing today homes in this community do not last!

Features

  • Amenities: Clubhouse, Fitness Center, Gated, Playground, Pool
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: In Garage
  • Year Built: 2002
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,559
  • Est. Taxes: $4,729
  • Condo Fee: $615 Monthly
  • Elem. School: Cypress Woods Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: East Lake High-PN
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Range Hood, Refrigerator, Washer
  • MLS#: TB8454425
  • Days on Market: 42 days
  • Website: https://www.raveis.com
    /prop/TB8454425/3521kingsroad_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 3/17/2026 2:32:07 PM)
Listing courtesy of PALM LIFE REALTY   Phone: 888-877-4040

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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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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

3521 KINGS ROAD, #102, Palm Harbor, FL, 34685

$319,000

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 $255,200 $255,200 $255,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.292% 5.648%
Monthly Tax Payment $394 $394 $394
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,469 $1,551 $2,068
Total Monthly Payment $1,938 $2,020 $2,537

* 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.