104 OLD MILL POND ROAD, Palm Harbor, FL, 34683 | $347,000

Location–Location–Location! Spacious 3-bedroom, 3-bath townhome with over 2, 000 heated square feet located in the highly sought-after Gleneagles Cluster Townhome Community of Palm Harbor. This beautifully maintained home combines thoughtful design, comfortable living spaces, and an unbeatable location and value. Ideally situated just minutes from the Dunedin Causeway, Honeymoon and Caladesi Islands, Crystal Beach, and Fred Howard Park, this property also offers convenient access to the charming downtown areas of Palm Harbor, Tarpon Springs, and Dunedin, known for their waterfront dining, boutiques, and entertainment. Golf enthusiasts will appreciate being just next door to the renowned Innisbrook Golf & Spa Resort, home of the legendary Copperhead Course and the PGA Valspar Championship. Step inside to beautiful Travertine marble flooring and tile throughout the first floor and a spacious open layout designed for both everyday living and entertaining. The living and family rooms are connected by a unique full-size wet bar, perfect for hosting guests. The large family room features vaulted ceilings and a dramatic floor-to-ceiling stone fireplace, while expansive sliding glass doors lead to a private patio deck surrounded by lush landscaping, creating a peaceful outdoor retreat. The kitchen includes granite countertops, stainless steel appliances, and a convenient pass-through window to the dining room for easy entertaining. Upstairs, all bedrooms are privately situated and feature large walk-in closets and two private lanais. The spacious primary suite includes a vaulted ceiling, enclosed sitting area, and updated bath with newer cabinetry and a garden soaking tub. Additional highlights include first-floor laundry with new washer and dryer (2024), covered parking with a private storage area. Recent updates include roof (2018), new ducts and shutters (2016), attic insulation (2025), water heater (2026), and fresh exterior paint (2025). Residents enjoy a maintenance-free lifestyle, with HOA fees covering exterior maintenance, grounds care, water, sewer, trash, cable, and exterior insurance. Set within a quiet, pet-friendly community with mature landscaping and a park-like setting, this home is conveniently located near Gulf beaches, Clearwater-St. Pete Airport, and Tampa International Airport. Schedule your private showing today!

Features

  • Amenities: Maintenance
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 1978
  • Garage: Assigned, Covered, Guest
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,004
  • Acreage: 0.05
  • Est. Taxes: $5,784
  • HOA Fee: $875 Monthly
  • Lot Desc: Landscaped, Near Golf Course
  • View: Trees/Woods
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Breed Restrictions, Number Limit
  • Appliances: Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: W7884011
  • Days on Market: 63 days
  • Website: https://www.raveis.com
    /prop/W7884011/104oldmillpondroad_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 7/3/2026 2:21:35 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

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104 OLD MILL POND ROAD, Palm Harbor, FL, 34683

$347,000

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 $277,600 $277,600 $277,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $482 $482 $482
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,663 $1,753 $2,305
Total Monthly Payment $2,220 $2,310 $2,862

* 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.