2823 CHALLENGER DRIVE, Palm Harbor, FL, 34683 | $715,000

Extensively renovated and move-in ready, this stunning Waterford Crossing pool home delivers the refined Florida lifestyle you’ve been searching for.
From the moment you arrive, the side-entry garage and double-door entry set the tone — this home commands attention. Inside, brand-new tile flooring flows seamlessly throughout, creating a clean, cohesive aesthetic that feels timeless.
The heart of the home is a chef-inspired kitchen, meticulously redesigned with stainless steel appliances, custom shaker cabinetry, and gleaming quartz countertops — a striking combination that is as functional as it is beautiful. The open layout connects effortlessly to the great room, where soaring vaulted ceilings and a designer fireplace create an atmosphere of relaxed elegance. Twin sets of glass sliders dissolve the boundary between indoor and outdoor living, opening to your private resort-style pool and waterfall.
The fully reimagined master suite is a true sanctuary — a spa-inspired en-suite bath with walk-in shower, private slider access to the pool deck, and thoughtful finishes throughout. A generous walk-in closet completes the retreat. Two additional guest bedrooms are privately positioned on the opposite wing, preserving the master suite’s seclusion.
The freshly landscaped and fully re-sodded exterior creates an impeccable first impression. Set on an expansive 1/3-acre lot in a quiet, established Palm Harbor neighborhood, with a low HOA, flood zone X designation, and an unbeatable location minutes from world-class Gulf beaches, waterfront dining, and top-rated schools.

Features

  • Amenities: Park, Playground
  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 103 x 134
  • Laundry: Inside, Laundry Room
  • Year Built: 1991
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,090
  • Acreage: 0.33
  • Lot Size: 103 x 134
  • Est. Taxes: $7,428
  • HOA Fee: $513 Semi-Annually
  • Lot Desc: Landscaped
  • Elem. School: San Jose Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Dunedin High-PN
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer
  • MLS#: W7885602
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/W7885602/2823challengerdrive_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 5/22/2026 11:47:08 AM)
Listing courtesy of RE/MAX CHAMPIONS   Phone: 727-807-7887

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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
  • 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

2823 CHALLENGER DRIVE, Palm Harbor, FL, 34683

$715,000

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 $572,000 $572,000 $572,000
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% 6.887% 6.078%
Monthly Tax Payment $619 $619 $619
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,522 $3,663 $4,788
Total Monthly Payment $4,233 $4,374 $5,499

* 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.