196 PALM HARBOR DRIVE, NORTH PORT, FL, 34287
Active32 days on marketListed Oct 6, 2026MLS #N6146080
About this home
196 PALM HARBOR DRIVE
Welcome to this spacious 2 bedroom, 2 bath home offering 1,344 square feet of comfortable living space in the highly desired, pet-friendly, land-owned community of Harbor Isles. This well-maintained home offers a wonderful combination of updates, functionality, and Florida living. The large remodeled island kitchen is a true highlight, featuring beautiful granite countertops, solid wood cabinetry, and plenty of workspace and storage. Both bedrooms are generously sized and feature walk-in closets. The two bathrooms have also been updated with attractive modern vanities. The remodeled Florida room, completed in 2024, provides an inviting additional living space and features acrylic windows, luxury vinyl flooring, and a split-system unit that provides both heating and cooling, making this a comfortable space to enjoy year-round. A charming front porch just off the Florida room creates the perfect spot to relax and enjoy the Florida sunshine. The utility area offers something extra that is not often found: a dedicated laundry room attached to a good-sized storage shed/workshop. Whether you need space for hobbies, projects, tools, or additional storage, this area provides plenty of flexibility. Additional features include updated windows, a 2013 membrane roof, and an extra-wide carport offering ample covered parking. Harbor Isles is a highly sought-after 55+ land-owned community in North Port known for its friendly atmosphere, active lifestyle, and resort-style amenities. Residents enjoy a beautiful marina with Gulf access and a kayak launch, along with a heated swimming pool and spa, fitness center, clubhouse, tennis and pickleball courts, shuffleboard, and bocce. The community offers an active calendar of social activities and gatherings, making it easy to meet neighbors and enjoy the Florida lifestyle. And with the community being pet friendly and land owned, Harbor Isles offers an appealing combination of amenities, ownership, and lifestyle. This spacious and thoughtfully updated home is ready to enjoy and offers the opportunity to become part of one of North Port's most desirable 55+ communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,344
Sqft
0.11 ac
Lot size
1982
Year built
One
Levels
$134
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,765 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,765/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.4%
$/sqft vs North Port actives
$134 vs $193
Days on market
32 vs 71 typical
Where $134/sqft sits among the 400 North Port actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harbor Isles
Get to know North Port. See the full North Port guide →
Harbor Isles — neighborhood snapshot
Population
646
Median age
73
Median income
$46,382
Median home value
$160,301
Avg household
1
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$315K → $312K
North Port median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
197 of 400
North Port actives have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the NORTH PORT 34287 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 196 PALM HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$136,000
145 SEAWARD WAY · same community
2 bd · 2 ba · 1,372 sqft · $99/sqft · 113 DOM
Sold · Apr ’26$140,000
154 SEAWARD WAY · same community
2 bd · 2 ba · 1,375 sqft · $102/sqft · 140 DOM
Sold · Jan ’26$145,500
144 SEAWARD WAY · same community
2 bd · 2 ba · 1,255 sqft · $116/sqft · 22 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 196 PALM HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 196 PALM HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
196 PALM HARBOR DRIVE FAQs
What would the monthly payment be for 196 PALM HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,765/mo — principal and interest, the actual property-tax bill, the $196/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 196 PALM HARBOR DRIVE?+
The association fee works out to $196 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 196 PALM HARBOR DRIVE?+
The most recent tax bill on record (2025) was $1,135. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 196 PALM HARBOR DRIVE?+
The listing reports pets: Breed Restrictions, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in North Port?+
At $179,900, this home is listed about 46% below the North Port median of $334,900. The market section on this page shows how the area is trending.
Which schools are assigned to 196 PALM HARBOR DRIVE?+
Glenallen Elementary School (elementary), Heron Creek Middle School (middle), North Port High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Mindy Buckley. MLS #N6146080.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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