1372 RISERVA LANE, Palm Harbor, FL, 34683 | $499,000

Experience the best of Palm Harbor townhome living in the desirable gated community of Villas of San Marino, located in the sought-after Palm Harbor University High School district. Built in 2013, this beautifully maintained 3-bedroom, 2. 5-bath townhome with a loft and 2-car garage offers the perfect blend of Mediterranean coastal style, modern comfort, and low-maintenance Florida living.

From the moment you enter the community, the brick paver streets, tile roofs, and gated setting create a warm and inviting atmosphere. Inside, the home features bright, open living spaces with 9. 5-foot ceilings, a comfortable flow, and a flexible floor plan designed for both everyday living and easy entertaining.

The spacious kitchen is the heart of the home, offering a large center island, stainless steel appliances, abundant 42-inch cabinetry, and generous granite countertop space. The main level also includes a conveniently located half bath, making the layout ideal for guests and daily use.

Step outside to enjoy the expanded outdoor living area featuring a covered and fully screened lanai, already prepped for an outdoor kitchen. Whether you enjoy morning coffee, evening relaxation, grilling, or entertaining, this oversized lanai adds valuable Florida lifestyle space.

Upstairs, a flexible loft provides endless options for a home office, media area, playroom, reading nook, or workout space. Freshly installed bamboo flooring throughout the upstairs adds warmth and style. The spacious primary suite includes a large walk-in closet and a spa-like bathroom with dual quartz vanities and an oversized walk-in shower. Two additional bedrooms are well-positioned near the hallway bathroom and laundry room for everyday convenience.

The 2-car garage includes shelving and extra storage, while the community’s gated heated pool and guest parking are just a short walk from the front door.

Perfectly located near top-rated Palm Harbor schools, this home places you minutes from Honeymoon Island, Caladesi Island, Pop Stansell Park, the Pinellas Trail, Downtown Palm Harbor, and historic Downtown Dunedin. Enjoy easy access to kayaking, boating, paddleboarding, beaches, restaurants, shopping, parks, and some of the best coastal lifestyle amenities in Pinellas County.

The pet-friendly community offers added peace of mind with monthly HOA dues that include cable TV, internet, trash, exterior maintenance including the tile roof, community pool, and landscaping.

If you are looking for a gated Palm Harbor townhome with style, comfort, convenience, and true Florida lifestyle appeal, this is the carefree living opportunity you have been waiting for. Schedule your private showing today.

Features

  • Amenities: Gated, Maintenance
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room, Washer Hookup
  • Style: Mediterranean
  • Year Built: 2013
  • Garage: 2-car Garage Door Opener, Guest, Off Street
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,050
  • Acreage: 0.06
  • Est. Taxes: $3,732
  • HOA Fee: $540 Monthly
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: TB8508362
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/TB8508362/1372riservalane_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 5/20/2026 10:17:10 AM)
Listing courtesy of SEXAUER REAL ESTATE INTL.   Phone: 727-641-3644

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1372 RISERVA LANE, Palm Harbor, FL, 34683

$499,000

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 $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.634% 6.890% 6.078%
Monthly Tax Payment $311 $311 $311
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,458 $2,589 $3,342
Total Monthly Payment $2,844 $2,975 $3,728

* 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.