CENTURY 21 Edge
$1,195,000$1,275,0004 bd3.5 ba3,091 sqft$387 /sqft$7,761 /mo all-in ↓

1351 WILLOW BROOK DR, PALM HARBOR, FL, 34683

Active183 days on marketListed Mar 5, 2026MLS #TB8482821

Reduced $80KPrivate poolSingle Family ResidenceAUTUMN WOODS-UNIT III

About this home

1351 WILLOW BROOK DR

Discover a residence that feels worlds away—yet sits in the heart of Palm Harbor. Tucked within highly sought-after Autumn Woods, this extraordinary 4-bedroom, 3.5-bath custom pool home rests on nearly half an acre and offers something increasingly difficult to find: true privacy, architectural character, mature natural beauty, and a home that is truly one of a kind. Originally custom architected and built as the personal residence of acclaimed Bay-area luxury builder Marc Rutenberg, the home was created with intention. Mature trees, lush tropical landscaping, privacy hedges and brick-paver walkways create an estate-like setting with remarkable seclusion. Even the landscape has a story—the magnificent oak anchoring the property was hand-selected after an extensive search throughout the Southeast, transported by flatbed and installed by crane approximately 30 years ago. Inside, craftsmanship takes center stage with solid white oak hardwood flooring, cedar beams, solid-core wood doors, tongue-and-groove ceilings, skylights and Marvin double-insulated windows and patio doors. Expansive living spaces flow naturally together and open to the pool and gardens, creating an effortless connection between indoors and out. The chef's kitchen is equally impressive, featuring Calacatta marble countertops, custom wood cabinetry, Miele built-in ovens, a Wolf cooktop and multiple integrated Sub-Zero refrigerator/freezer units, including drawer refrigeration. A first-floor en-suite bedroom overlooking the pool offers flexibility for guests, multigenerational living or an office, while three additional bedrooms upstairs include the private primary suite. Outside, the property transforms into a secluded garden retreat. The pool and expansive paver patio are surrounded by mature tropical landscaping, privacy hedges and a fully fenced yard, complemented by mango, lemon, fig and acerola cherry trees, an herb garden and premium landscape lighting. Notable improvements include a 2021 roof, three newer high-efficiency HVAC systems, hardwood floors refinished in 2025, remodeled half bath and laundry room, siding upgrades, whole-home water filtration and softener with reverse osmosis. Autumn Woods is known for its custom homes, mature tree canopy and peaceful streets, with four community ponds, tennis courts and a private park, all minutes from Gulf beaches, shopping, dining and major commuter routes. 1351 Willow Brook Drive is more than a luxury home—it is a private sanctuary with a history, a landscape decades in the making, and an individuality rarely found in Palm Harbor.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,091

Sqft

0.44 ac

Lot size

2

Garage

1983

Year built

Two

Levels

$387

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Marble · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Freezer · Microwave · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionWood Frame · Wood Siding
FoundationSlab
ViewPool · Trees/Woods
FacesSouth
ParkingDriveway · Garage Door Opener · Off Street · Oversized · Tandem · Workshop in Garage
ExteriorFrench Doors · Garden · Irrigation System · Lighting · Private Entrance · Private Mailbox · Private Yard

Community & fees

HOA fee$63/mo
Taxes (2025)$7,705/yr
PetsYes
CommunityDeed Restrictions · Dog Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic · Well

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.

$7,761 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,448
PMI (est., until 20% equity)$448
Property tax — 2025 actual bill$642
HOA fee — from the listing$63
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $119,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $119,500
Interest rate6.00%
Loan term

Estimated payment

$7,761/mo

Principal & interest$6,448
PMI (est., until 20% equity)$448
Property taxes (actual bill)$642
HOA / condo fee$63
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.2M
$162KedgeAI estimate $818,408 · range $168K$1.2M$1.2M

vs edgeAI estimate

+46%

$/sqft vs Palm Harbor actives

$387 vs $255

Days on market

183 vs 52 typical

Where $387/sqft sits among the 400 Palm Harbor actives

73
87
94
72
46
28 · this home
$153–194$194–236$236–277$277–319$319–360$360+

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 Autumn Woods

Drive times from this address

Tampa Int’l Airport (TPA)40 min
Downtown Tampa43 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Autumn Woods — neighborhood snapshot

Population

740

Median age

53

Median income

$156,302

Median home value

$652,100

Avg household

3

Households w/ children

91%

For the school run

Pinellas County School District

HighPalm Harbor University High★★★★
ElementarySutherland Elementary School★★★★★
MiddlePalm Harbor Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$420K$445K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

227 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 215% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,195,000 $80K
Mar 5, 2026Listed at $1,275,000 · 183 days on market since
1983Built · AUTUMN WOODS-UNIT III

Reality check

What actually sold near 1351 WILLOW BROOK DR

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3204 AUTUMN DRIVESold · May ’26

$655,000

3204 AUTUMN DRIVE · same community

2 bd · 2 ba · 2,440 sqft · $268/sqft · 49 DOM

1745 OYSTER POINT WAYSold · Apr ’26

$2,375,000

1745 OYSTER POINT WAY

4 bd · 3 ba · 3,085 sqft · $770/sqft · 2 DOM

1718 SANCTUARY PLACESold · Jun ’26

$850,000

1718 SANCTUARY PLACE

3 bd · 3.5 ba · 3,116 sqft · $273/sqft · 24 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.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1351 WILLOW BROOK DR — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1351 WILLOW BROOK DR — before you fall in love.

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1351 WILLOW BROOK DR FAQs

What would the monthly payment be for 1351 WILLOW BROOK DR?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,761/mo — principal and interest, the actual property-tax bill, the $63/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 1351 WILLOW BROOK DR?+

The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1351 WILLOW BROOK DR?+

The most recent tax bill on record (2025) was $7,705. 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 1351 WILLOW BROOK DR?+

The listing reports pets: 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 $1,195,000, this home is listed about 217% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.

Which schools are assigned to 1351 WILLOW BROOK DR?+

Palm Harbor University High (high), Sutherland Elementary School (elementary), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$1,195,000 runs 215% above the PALM HARBOR 34683 median — but at 3,091 sqft it's also nearly twice the size of the typical Palm Harbor listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

183 days on market against a Palm Harbor median of 52 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Palm Harbor University High, Sutherland Elementary School, Palm Harbor Middle School — Palm Harbor University High rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,275,000, now $1,195,000 — a $80K cut. The full history is in the market section below.

Listing courtesy of ORANGE GROVE PROPERTY SOLUTIONS · Tara Cook. MLS #TB8482821.

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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