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Welcome to one of Palm Harbor's best-kept secrets — a home that delivers space, location, and lifestyle in a way that's becoming harder and harder to find. Tucked inside a quiet cul-de-sac with only one way in and one way out, this home gives you a level of privacy and low traffic that families truly appreciate. It's the kind of street where things feel calm and safe, yet you're right in the center of everything.
Location here is unmatched. You're directly next to Palm Harbor University High School, one of the most sought-after schools in Pinellas County, featuring its medical magnet program. Skip the long car lines and daily chaos — this is true walkable convenience. Zoned for Palm Harbor Middle School as well, another top-tier option, making this an ideal setup for families prioritizing education.
Lifestyle here only gets better. You're within walking distance to charming downtown Palm Harbor with its local restaurants, bars, and coastal small-town feel. The Pinellas Trail is just minutes away, and within a short drive you'll find Honeymoon Island and the Dunedin Causeway — some of the most beautiful beaches in the area. And here's where this home truly stands out: you get all of that coastal proximity without the risk. Located in a non-flood, non-evacuation zone. It's the rare chance to enjoy being near the beach without the added risk or concern during storm season.
The home itself. Sitting on a spacious lot with a large backyard that includes fruit trees, this property is ready for its next chapter. The split floor plan delivers both functionality and privacy, while the screened-in pool creates a perfect space to relax or entertain year-round. The home also features rooftop solar panels and a built-in EV charger in the garage — modern upgrades that deliver real long-term savings on energy and fuel costs. This is not an HOA neigborhood.
This home has been thoughtfully priced based on its location advantages and the significant cost savings that come with no HOA fees and no flood insurance. Between the prime school zoning, proximity to the beach without flood risk, and long-term upside, the value here is clear.
Sold As-Is with the standard Florida AS-IS Residential Contract. Buyer welcome to complete full inspections during the inspection period. Willing to work with a buyer's agent.
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Our Executive Mortgage Banker:
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$529,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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 | $423,200 | $423,200 | $423,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.866% |
| Monthly Tax Payment | $386 | $386 | $386 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,537 | $2,640 | $3,486 |
| Total Monthly Payment | $3,015 | $3,118 | $3,964 |
* 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.