3216 HARVEST MOON DRIVE, Palm Harbor, FL, 34683 | $1,249,500

This spectacular Palm Harbor waterfront home is rich with upgrades and resort-style, alfresco space. The lake views from the screened lanai are resplendent; like a vacation in your own backyard! With a tranquil lake as a backdrop, a screened lanai also offers vistas of the shimmering pool (filter pump replaced in 2022), topped with a sail shade (installed in 2024), surrounded by variegated pavers, and crowned with tailor-made awnings (2022). A custom five-foot-wide gate was designed to accommodate everything from a jet ski trailer to a golf cart. A newer sea wall (constructed in 2022 with a 50-year warranty) borders this sumptuous space that’s encircled by a raised garden bed dressed in a stone wall and staircase separated from the deck by an elegant railing. The island that inhabits the lake is a bird sanctuary that’s also home to ducks and other wildlife. Beyond the classic double entry doors, your guests are welcomed by a blend of Travertine and hardwood floorings, luxe fixtures and finishes, four bedrooms, four baths, almost 4000 square feet, and tons of storage with both upstairs bedrooms featuring walk-in closets; there’s even under-staircase storage. Soaring vaulted ceilings and ultra-wide doorways lend to the spaciousness while two fireplaces lend warmth. All the shades are remote controlled for ease giving a high-end touch to the windows. Aside the formal living and dining rooms, a magnificent eat-in kitchen with casual dining bar showcases a wall of windows out to the lake. Besides cabinets galore, a new frig (2022) and new granite countertops (2020) this is truly a chef’s dream space. The first-floor primary suite is a retreat, boasting swoon-worthy closets (2020). Its beautifully appointed ensuite presents a jetted soaking tub beneath a picture window along with remodeled quartz countertops (2025). The first-floor guest suite may ideally serve as an in-law-suite or to accommodate the returning graduate, boasting its own balcony and water views, remodeled quartz countertops, and a new walk-in shower (2022). Painted in 2025, the flat roof was replaced in 2024, and a recent wind mitigation inspection returned a “no issues” report. The windows were treated to a heat-resistant film that helps keep the house cool and offers additional privacy. In 2022 both a new 80-gallon commercial grade water heater and new electrical service panel were mounted. Recently designated a golf cart community, you’ll enjoy “residents only” features like a community park, dog park, and private tennis/pickleball courts. Live the luxurious Florida lifestyle with wonderful restaurants, exceptional retail, and proximity to the best of the Gulf Coast.

Features

  • Amenities: Basketball Court, Park, Pickleball Court(s), Playground, Tennis Court(s)
  • Rooms: 3
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 124 x 113
  • Laundry: Inside, Laundry Room
  • Year Built: 1980
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,894
  • Acreage: 0.6
  • Lot Size: 124 x 113
  • Est. Taxes: $7,067
  • HOA Fee: $620 Annually
  • Lot Desc: In County, Landscaped, Oversized Lot, Sidewalk
  • View: Water
  • Water Front: Yes
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pool: Gunite, In Ground, Lighting, Pool Sweep, Salt Water
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Softener
  • MLS#: TB8496574
  • Days on Market: 50 days
  • Website: https://www.raveis.com
    /eprop/TB8496574/3216harvestmoondrive_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 6/4/2026 3:47:09 PM)
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA   Phone: 727-466-0800

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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
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3216 HARVEST MOON DRIVE, Palm Harbor, FL, 34683

$1,249,500

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $999,600 $999,600 $999,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.235% 6.183%
Monthly Tax Payment $589 $589 $589
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,913 $6,074 $8,435
Total Monthly Payment $6,627 $6,788 $9,149

* 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.