182 SUNWARD AVENUE, Palm Harbor, FL, 34684 | $380,000

Welcome to this beautifully maintained 2-bedroom, 2-bath home tucked away on a quiet cul-de-sac in Palm Harbor's desirable Sunshine Estates community. Offering over 1, 500 square feet of heated and cooled living space, this move-in ready home features a new roof (2024), no HOA, and a location outside of a flood zone for added peace of mind.

Inside, you'll find luxury vinyl plank flooring throughout, creating a seamless and modern look. The spacious living and dining areas are filled with natural light, while the heated and air-conditioned flex room provides valuable additional living space that can easily serve as a home office, hobby room, fitness area, playroom, or guest retreat. The kitchen offers ample cabinetry and workspace with easy access to the main living areas, making everyday living and entertaining a breeze.

Additional updates include an HVAC system replaced in 2020, newer water heater, and double-pane windows for enhanced energy efficiency and comfort. The primary suite features a private bath and generous closet space, while the second bedroom and full bath offer flexibility for family or guests.

Step outside to enjoy the fully fenced backyard with a wood privacy fence, providing plenty of room for pets, play, gardening, or outdoor gatherings. The cul-de-sac location offers reduced traffic, added privacy, and a welcoming neighborhood feel.

Located in unincorporated Pinellas County, this property offers flexibility that is increasingly difficult to find, including the potential for short-term rental use, subject to local regulations and licensing requirements. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, this home offers a variety of possibilities.

Conveniently located near shopping, dining, parks, Lake Tarpon, the Pinellas Trail, top-rated Palm Harbor schools, and the Gulf beaches, this home delivers the best of Florida living.

Don't miss this opportunity to own a well-cared-for home with major system updates already completed.

**Washer and dryer do not convey. **

Features

  • Rooms: 9
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Garage
  • Year Built: 1976
  • Garage: 1-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,504
  • Acreage: 0.17
  • Est. Taxes: $5,011
  • Lot Desc: Cul-De-Sac, Sidewalk, Unincorporated
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8524727
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/TB8524727/182sunwardavenue_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 7/18/2026 3:13:34 AM)
Listing courtesy of COLDWELL BANKER REALTY   Phone: 727-581-9411

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

182 SUNWARD AVENUE, Palm Harbor, FL, 34684

$380,000

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 $304,000 $304,000 $304,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.358% 6.640% 5.952%
Monthly Tax Payment $418 $418 $418
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,821 $1,919 $2,524
Total Monthly Payment $2,314 $2,412 $3,017

* 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.