1382 SUTTON PLACE DRIVE, Palm Harbor, FL, 34683 | $599,000

NO HOA! Rarely available, this well-maintained 3-bedroom, 2-bath pool home is located in one of Palm Harbor's most desirable neighborhoods and within the highly sought-after Palm Harbor University High School district.

Tucked away in a quiet community with a single entrance and no through traffic, this home sits on elevated ground and offers a rare combination of privacy, convenience, and location. Enjoy walking or biking to Palm Harbor University High School, historic downtown Palm Harbor, the Pinellas Trail, local restaurants, shops, parks, and top-rated schools, while remaining just minutes from Honeymoon Island and the Gulf beaches.

The previous owner completed several major improvements in 2020, including a new roof and chimney with transferable warranty, pool resurfacing, new wood fencing, significant tree removal and trimming, and irrigation system updates utilizing reclaimed water.

Since purchasing the home in 2020, the current owner has invested approximately $100, 000 in renovations, maintenance, and improvements throughout the property. The exterior has been repainted, the home has been meticulously maintained, and the HVAC system has been professionally serviced, with approximately $1, 500 recently invested to ensure continued performance and reliability.

Inside, the split-bedroom floor plan offers both functionality and comfort. The spacious primary suite features a bonus sitting room, office, or flex space, dual closets including a walk-in closet, and a large walk-in shower. The family room boasts vaulted ceilings and a beautiful stone wood-burning fireplace, creating a warm and inviting gathering space. The kitchen is designed for entertaining with a convenient pass-through window to the screened lanai and pool area.

The front yard showcases a custom Costa Rica-inspired tropical rockscape designed for low maintenance and water conservation while complementing Florida's natural beauty. The backyard has been cleared and opened up, providing a blank canvas for the next owner to create their own outdoor vision and make the space their own.

Adding to the value, the home is priced in line with a recent appraisal and is being offered fully furnished, including televisions, washer and dryer, lawn equipment, and most furnishings, providing a rare turnkey opportunity without the additional expense and hassle of furnishing a home. Whether you're relocating, purchasing a second home, or simply looking for a seamless move, much of what you need is already here.

This hidden gem combines location, lifestyle, major capital improvements, and exceptional value in one of Palm Harbor's most sought-after areas. Homes with no HOA, a private pool, top-rated schools, and walkable access to downtown Palm Harbor rarely become available. Property is being sold as-is for the convenience of the seller.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 85 x 115
  • Laundry: Inside
  • Year Built: 1985
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,869
  • Acreage: 0.22
  • Lot Size: 85 x 115
  • Est. Taxes: $5,515
  • Pool: In Ground
  • Appliances: Convection Oven, Refrigerator
  • MLS#: W7886792
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/W7886792/1382suttonplacedrive_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 6/25/2026 5:47:07 PM)
Listing courtesy of UPCHURCH REALTY LLC   Phone: 727-612-8405

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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

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1382 SUTTON PLACE DRIVE, Palm Harbor, FL, 34683

$599,000

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 $479,200 $479,200 $479,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.512% 5.846%
Monthly Tax Payment $460 $460 $460
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,870 $2,990 $3,947
Total Monthly Payment $3,422 $3,542 $4,499

* 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.