105 PETERSON LANE, Palm Harbor, FL, 34683 | $499,900

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.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 90 x 110
  • Laundry: In Kitchen, Laundry Closet
  • Year Built: 1985
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,492
  • Acreage: 0.23
  • Lot Size: 90 x 110
  • Est. Taxes: $2,895
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Appliances: Dishwasher, Disposal, Dryer, Range, Refrigerator, Washer
  • MLS#: TB8501897
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/TB8501897/105petersonlane_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 5/23/2026 11:17:08 PM)
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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

105 PETERSON LANE, Palm Harbor, FL, 34683

$499,900

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 $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.