224 WHISPER LAKE ROAD, PALM HARBOR, FL, 34683
Active150 days on marketListed Mar 13, 2026MLS #TB8457320
About this home
224 WHISPER LAKE ROAD
* * GREAT LOCATION * * Welcome to your beautifully updated 3-bedroom, 2-bathroom home located in the heart of desirable Palm Harbor! Tucked away on a quiet cul-de-sac, this move-in-ready residence offers the perfect blend of comfort and functionality. Inside, you’ll find a bright and open floor plan with tasteful recent updates, spacious living areas, and abundant natural light throughout. This home features an ideal split bedroom floorplan which grants both a spacious feel, while allowing privacy between the bedrooms. A generous 2-car garage provides ample room for parking, storage, and hobbies. The large, fenced backyard is ideal for pets, outdoor entertaining, gardening, or simply relaxing in your own private oasis. Whether hosting weekend BBQs or enjoying peaceful evenings outdoors, this space offers endless possibilities. * * PERFECT LOCATION IN PALM HARBOR * * Just 15 minutes from downtown, the wonderful restaurants and Sunderman Sports Complex and Sunderman Baseball Complex * * Boater? Multiple marinas close including Home Port Marnina * * 20 minutes north and you are at Tarpon Springs and the world-famous sponge docks. 20 minutes south and you are at the Small and Quaint community of Dunedin which offers wonderful restaurants, marina, central park with stage for concerts and movies and much more! Just 20 minutes away from Dunedin Causeway which gives you access to beautiful Honeymoon Beach and Caladesi Island! Voted #1 Beach in the Nation. You are also just 30 minutes from Clearwater Beach and their World-Famous White Sand Beaches. LIKE BASEBALL? Dunedin is the home of Toronto Blue Jays spring training and triple AAA baseball facilities. Clearwater homes the Philadelphia Phillies and just 30 minutes away is the New York Yankees facilities. * * PLEASE NOTE * * It is buyer’s responsibility to verify all information. Information posted in MLS or any marketing is not guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,348
Sqft
0.14 ac
Lot size
2
Garage
1985
Year built
One
Levels
$308
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.
$3,243 /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
$3,243/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
+0.4%
$/sqft vs Palm Harbor actives
$308 vs $261
Days on market
150 vs 49 typical
Where $308/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 Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
229 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 8% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 224 WHISPER LAKE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$430,000
241 WHISPER LAKE ROAD · same community
3 bd · 2 ba · 1,409 sqft · $305/sqft · 55 DOM
Sold · Feb ’26$510,000
289 WHISPER LAKE ROAD · same community
3 bd · 2 ba · 1,965 sqft · $260/sqft · 71 DOM
Sold · Jan ’26$240,342
2663 SEQUOIA TERRACE UNIT 2663
2 bd · 2 ba · 1,353 sqft · $178/sqft · 62 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 224 WHISPER LAKE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 224 WHISPER LAKE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
224 WHISPER LAKE ROAD FAQs
What would the monthly payment be for 224 WHISPER LAKE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,243/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 224 WHISPER LAKE ROAD?+
The most recent tax bill on record (2024) was $5,471. 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 224 WHISPER LAKE ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 Palm Harbor?+
At $415,000, this home is listed about 9% above the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 224 WHISPER LAKE ROAD?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Time on market is leverage
150 days on market against a Palm Harbor median of 49 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $440,000, now $415,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Matthew Brashear. MLS #TB8457320.
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 224 WHISPER LAKE ROAD 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 Tyler to ping you on any price or status change →