10 FRESHWATER DRIVE, PALM HARBOR, FL, 34684
Active3 days on marketListed Aug 31, 2026MLS #O6437744
About this home
10 FRESHWATER DRIVE
RARE PALM HARBOR HOMESITE NEAR THE SHORES OF BEAUTIFUL LAKE TARPON! An exceptional opportunity to build in the established Fresh Water Estates community of highly desirable Palm Harbor. This approximately 0.15-acre residential lot offers 60 feet of frontage by approximately 108 feet deep and is positioned in a peaceful setting surrounded by the natural beauty and waterfront lifestyle that make northern Pinellas County so desirable. Imagine designing your new Florida home just steps from the Lake Tarpon environment, where water views, boating, fishing and spectacular Florida sunsets become part of the surrounding lifestyle. The property offers Lake Tarpon and water views, while the Well-Known Innisbrook Golf Club area is just across the way, creating a unique combination of water, recreation and an established residential setting. The lot is reported as cleared, level and buildable, with R-3 zoning, electricity nearby and water nearby. Enjoy the best of the Palm Harbor lifestyle with convenient access to Lake Tarpon, golf, boating, shopping, dining and the Gulf Coast, while still enjoying the feel of a quiet neighborhood tucked away from the main road. LOCATION, WATER VIEWS AND THE OPPORTUNITY TO BUILD — this is the kind of Pinellas County homesite that is increasingly difficult to find. Bring your plans and create your own Florida retreat! One thing I would not say is that the lot itself is waterfront. The current data describes it as having Lake Tarpon/water views, but lists the property's waterfront status as none.
Facts & features
The home at a glance
0.15 ac
Lot size
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 — not generic estimates.
$1,685 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,685/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.
Where it sits
Inside Fresh Water Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Fresh Water Estates — neighborhood snapshot
Population
386
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
33%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 10 FRESHWATER 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$495,000
45 FRESHWATER DRIVE · same community
2 bd · 2 ba · 1,244 sqft · $398/sqft · 0 DOM
Sold · Oct ’25$420,000
94 S CANAL DRIVE · same community
3 bd · 2 ba · 1,649 sqft · $255/sqft · 45 DOM
Sold · Dec ’25$535,000
85 S CANAL DRIVE · same community
3 bd · 2.5 ba · 2,065 sqft · $259/sqft · 59 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10 FRESHWATER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10 FRESHWATER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10 FRESHWATER DRIVE FAQs
What would the monthly payment be for 10 FRESHWATER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,685/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 10 FRESHWATER DRIVE?+
The most recent tax bill on record (2025) was $1,585. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $219,999, this home is listed about 42% below the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 10 FRESHWATER DRIVE?+
Highland Lakes Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of YASMINE KHRINO · Jasmine Khrino. MLS #O6437744.
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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