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One or more photo(s) has been virtually staged. OLD FLORIDA ISLAND LIVING ON INDIAN BLUFF ISLAND! Welcome to the kind of Florida people still talk about but can rarely find in Pinellas County…where kids cruise the neighborhood on bikes with fishing poles slung over their shoulders, golf carts outnumber cars, sunsets become part of your daily routine, and nobody thinks twice about flip flops at dinner. Nestled on a quiet cul-de-sac in highly sought-after Indian Bluff Island, this ELEVATED coastal home captures the laid-back charm and sense of community that made people fall in love with Florida in the first place. Set on an oversized lot with peek-a-boo water views and tropical surroundings (ready for your pool inspiration), this 3-bedroom, 3-bath home offers an OPEN floor plan, soaring CATHEDRAL ceilings, warm wood floors, and a spacious upstairs living area designed to bring the outdoors in. Large sliders open to an oversized deck where mornings start with coffee in the sea breeze and evenings end under the stars with almost no light pollution. The SPLIT-bedroom layout provides privacy, while the downstairs bonus area with an additional bath offers flexible space for guests, hobbies, storage, or future possibilities. NEW ROOF installed in 2025 adds peace of mind. Life here feels different. Launch your kayak or paddleboard nearby, bike or walk to the Pinellas Trail or Wall Springs Park, fish with neighbors at sunset, or simply enjoy the quiet island feel surrounded by water in every direction. No stuffy HOA. No through traffic. Just authentic coastal living in one of Palm Harbor’s hidden gems — all zoned for highly rated schools and just minutes from beaches, marinas, dining, and everything the Gulf Coast lifestyle has to offer. Schedule your private tour and experience the magic of Indian Bluff Island for yourself.
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.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$499,900
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 | $399,920 | $399,920 | $399,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $241 | $241 | $241 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,462 | $2,525 | $3,321 |
| Total Monthly Payment | $2,778 | $2,841 | $3,637 |
* 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.