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Welcome to your waterfront retreat in Palm Harbor! Experience the best of Florida living with this gulf-access waterfront home, perfectly situated on a canal with direct access to the Klosterman Bayou, St. Joseph Sound and the stunning barrier islands of Honeymoon Island, Three Rooker Island, and Anclote Key. Whether you enjoy boating, fishing, or simply soaking in coastal views, this property delivers. This home has been thoughtfully updated, offering peace of mind and modern comfort with major improvements including two new Carrier HVAC systems (2024), a composite dock with boat lift (2022), new shingle roof (2019), updated kitchen appliances (2022), new seawall (2020), exterior vinyl siding (2020) and impact-rated windows, sliders, and doors (2019)! The first level features an oversized two-car garage with ample storage and a versatile finished flex space, ideal for a home gym, workshop, or bonus room. On the main living level, you’ll find an open and airy layout highlighted by vaulted ceilings, cozy woodburning fireplace, two covered balconies, two full bathrooms, and a spacious primary suite complete with an en-suite washer and dryer for added convenience. The spacious kitchen and dining room combination overlook the west facing water views and abundant wildlife including waterbirds, manatee and dolphin. Terra cotta style floors, white cabinets and stainless-steel appliances all nod toward the breezy, casual Florida lifestyle. A unique half-spiral staircase makes a statement and leads to the top floor, where a den or office space awaits, along with an additional bedroom, full bathroom, and a third private balcony perfect for enjoying peaceful water views or sunset skies. This is more than a home; it’s a lifestyle opportunity in one of Florida’s most desirable waterfront communities. Schedule your private showing today and discover the true value of coastal living!
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To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$799,000
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 |
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|---|---|---|---|
| Loan Amount | $639,200 | $639,200 | $639,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $783 | $783 | $783 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,936 | $4,093 | $5,351 |
| Total Monthly Payment | $4,810 | $4,967 | $6,225 |
* 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.