22 CYPRESS DRIVE, PALM HARBOR, FL, 34684
Active4 days on marketListed Oct 15, 2026MLS #O6450138
About this home
22 CYPRESS DRIVE
Superb waterfront home situated on a corner canal lot with wraparound deck provides spectacular sunsets AND sunrises across the glistening Lake Tarpon waters right in your own yard providing for ultimate lakefront living. This 3/2/2 two story home includes a 2 car garage along with a fenced slab providing locked in security for your boat/RV with no more storage fees and is in addition to the double driveway. Due to the Southwest Florida Water Management District (SWFWMD) none of the 2024 hurricanes affected this waterfront area as the system manages water flow to prevent flooding during heavy rains and to maintain water quality and balance ecological health with flood control during dry periods. The S-551 structure is designed to temporarily store excess water during storms, releasing it at a controlled rate. NO flooding. Anglers can catch a variety of fish species such as largemouth bass, crappie, bluegill and catfish as well as great places to dock and enjoy some food. Upon entering the home you are greeted with an open floor plan downstairs with vaulted ceilings leading to the kitchen with stainless steel appliances. The family room provides a dining area, wet bar and large storage closet. You will find the third bedroom/office with access to the waterfront deck conveniently located on the first level along with a full bathroom. Upstairs are two oversized bedrooms with a Jack-and-Jill shared full bathroom. The primary bedroom has beautiful views of the canal waters. The property boasts of new central heat/air conditioning, new roof, new windows, new front door, seawall stabilization. Clear 4 Point inspection. Regretfully must sell at this time due to Job transfer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,495
Sqft
0.15 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$311
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 — not generic estimates.
$3,461 /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
$3,461/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.
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
+10.4%
$/sqft vs Palm Harbor actives
$311 vs $265
Days on market
4 vs 68 typical
Where $311/sqft sits among the 400 Palm Harbor 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 Lake Shore
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Shore — neighborhood snapshot
Population
811
Median age
62
Median income
$78,149
Median home value
$311,987
Avg household
2
Households w/ children
53%
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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
231 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 22 CYPRESS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$340,000
29 CYPRESS DRIVE · same community
2 bd · 2 ba · 1,660 sqft · $205/sqft · 70 DOM
Sold · Oct ’25$278,550
12 CYPRESS DRIVE · same community
2 bd · 2 ba · 1,068 sqft · $261/sqft · 41 DOM
Sold · Jun ’26$408,000
2149 MALCOLM DRIVE
2 bd · 2 ba · 1,535 sqft · $266/sqft · 72 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22 CYPRESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22 CYPRESS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22 CYPRESS DRIVE FAQs
What would the monthly payment be for 22 CYPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,461/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 22 CYPRESS DRIVE?+
The most recent tax bill on record (2025) was $4,294. 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 22 CYPRESS DRIVE?+
The listing reports pets: No. 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 Palm Harbor?+
At $465,000, this home is listed about 20% above the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 22 CYPRESS 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.
The brief
Three things that matter here
01Positioned at the premium end
$465,000 runs 86% above the PALM HARBOR 34684 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Palm Harbor market that averages 68 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6450138.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 22 CYPRESS DRIVE but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →