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4805 ALT 19, #311, Palm Harbor, FL, 34683 | $125,000
One or more photo(s) has been virtually staged. Short Sale. This move-in ready 2 bedroom, 2 bathroom first-floor condo in Cove Springs in Palm Harbor offers approximately 900 square feet and was fully renovated with permitted work completed in 2025. The renovation followed prior storm impact and included replacement of interior finishes and major systems, including a new HVAC system and electric water heater installed in 2025. These updates provide a more predictable ownership experience with key components already addressed, helping reduce near-term maintenance and replacement concerns.
The first-floor layout allows for easy access with no interior stairs, and the corner unit position provides additional privacy and natural light. Tile flooring runs throughout the unit with no carpet, supporting durability and simplified upkeep for daily living.
The kitchen is updated with quartz countertops, stainless steel appliances, and soft-close drawers designed for functionality and storage. New interior doors and baseboards create a consistent finish, while plantation shutters in the living room allow for adjustable light and privacy. Both bathrooms were updated during the renovation, with the secondary bathroom offering a tub-shower combination.
The owner’s suite includes a custom Closet Design wardrobe system that maximizes storage and organization. The screened lanai is accessible from both the living room and the owner’s suite, adding usable outdoor space.
The 2025 permitted renovation provides documentation of improvements and supports more consistent condition compared to units with older systems or unpermitted updates. Assigned parking is included, along with nearby guest parking.
Cove Springs residents have access to a community pool and waterfront dock. The Palm Harbor location offers proximity to shopping, dining, parks, Gulf Coast beaches, and Innisbrook Golf Resort, host of the Valspar Championship. Short-term rentals are not permitted, and ownership is required prior to leasing.
Features
- Heating: Central, Electric
- Cooling: Central Air
- Levels: 1
- Rooms: 4
- Bedrooms: 2
- Baths: 2 full
- Laundry: Electric Dryer Hookup, Laundry Closet, Washer Hookup
- Complex: COVE SPGS CONDO
- Year Built: 1974
- Common Charge: $542 Monthly
- Approx Sq. Feet: 900
- Acreage: 5.29
- Est. Taxes: $987
- Pet Policy: Size Limit
- Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
- MLS#: TB8481567
- Days on Market: 57 days
- Website: https://www.raveis.com
/prop/TB8481567/4805alt19_palmharbor_fl?source=qrflyer
Listing courtesy of FLEUR DE LIS LUXE REALTY Phone: 813-360-2712
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
4805 ALT 19, #311, Palm Harbor, FL, 34683
$125,000
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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $100,000 | $100,000 | $100,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.133% | 6.739% | 5.952% |
| Monthly Tax Payment | $82 | $82 | $82 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $576 | $640 | $830 |
| Total Monthly Payment | $733 | $797 | $987 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388