2890 ARMADILLO DRIVE, Palm Harbor, FL, 34683 | $675,000

Under contract-accepting backup offers. Auction Property. Sale Held at the Property Saturday, March 14 at 11: 00 a. m. Preview from 10: 00 a. m. on sale day. List Price is the Suggested Starting Bid. Because this is an auction sale, the home may sell for less or more than the suggested list price. The home is being sold free of all debts and is guaranteed by title insurance, like any other traditionally listed home. Auction sale for Seller convenience…
Tucked within Country Woods, a premier Palm Harbor–Dunedin community, this beautifully updated four-bedroom plus study pool home offers over 3, 350 square feet of flexible living space in one of the area’s most desirable neighborhoods. Located in a NO flood and NON-evacuation zone, this residence combines peace of mind with an exceptional lifestyle, just minutes from the Dunedin Causeway, Honeymoon Island, Gulf beaches, marinas, the Pinellas Trail, top-rated schools, shopping, dining, and ALT-19. Bike or walk along the Pinellas Trail straight into downtown Dunedin to enjoy local shops, restaurants, and year-round entertainment.
Designed with versatility in mind, the home features a split-bedroom floor plan and a private in-law suite with its own exterior entrance as well as interior access. The suite includes a bedroom, bathroom, leisure room, and a second kitchen, making it ideal for multigenerational living, extended guests, or a spacious bonus or game room. The dedicated primary suite is thoughtfully positioned for privacy and features sliding doors to the pool and lanai, a generous walk-in closet, and an impressive en suite bath with a walk-in shower and separate garden tub.
At the heart of the home is a gourmet kitchen with granite countertops, solid wood cabinetry, stainless steel appliances, a built-in double oven, cooktop, built-in microwave, breakfast bar, island, and an eat-in area. Recessed lighting and cathedral ceilings enhance the space, which opens seamlessly to a large, inviting living room anchored by a wood-burning brick fireplace, creating a warm and welcoming atmosphere for everyday living and entertaining. Formal living and dining rooms at the front of the home add elegance and flexibility for hosting gatherings.
Recent upgrades elevate the home’s value and appeal, including a 2025 new roof, two new A/C systems, two new electrical panels with updated switches and outlets, new soffit and fascia, new interior and exterior paint, new 5¼-inch baseboards, and a new epoxy-coated floor in the oversized two-car garage, which also offers extra space for a golf cart. The pool area has been enhanced with a newer screen enclosure and a brand-new pool pump, ensuring effortless outdoor enjoyment.
Step outside to an exquisite, screened lanai featuring a gorgeous paver deck and a large in-ground pool, all set against a backdrop of lush greenery and well-maintained streets. This charming neighborhood offers a serene, friendly atmosphere while keeping you close to Honeymoon Island, beaches, Publix, downtown Palm Harbor, and so much more. Here, you can experience the convenience of city living without sacrificing tranquility, in a home that is as practical as it is impressive.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 100 x 120
  • Laundry: Inside
  • Style: Contemporary
  • Year Built: 1986
  • Garage: 2-car Other, Oversized
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,359
  • Acreage: 0.28
  • Lot Size: 100 x 120
  • Est. Taxes: $9,930
  • HOA Fee: $381 Annually
  • View: Pool
  • Elem. School: San Jose Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Dunedin High-PN
  • Pool: Gunite, In Ground, Lighting, Other, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8477131
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/TB8477131/2890armadillodrive_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 3/25/2026 9:06:54 AM)
Listing courtesy of AMERICAN HERITAGE REALTY, INC.   Phone: 727-726-7272

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NMLS Mortgage Loan Originator ID 16953

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2890 ARMADILLO DRIVE, Palm Harbor, FL, 34683

$675,000

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 $540,000 $540,000 $540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.407% 6.577% 5.986%
Monthly Tax Payment $828 $828 $828
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,238 $3,369 $4,484
Total Monthly Payment $4,158 $4,289 $5,404

* 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.