CENTURY 21 Edge
$1,147,500$1,275,0004 bd3.5 ba3,091 sqft$371 /sqft≈$7,487 /mo all-in ↓

1351 WILLOW BROOK DR, PALM HARBOR, FL, 34683

Active228 days on marketListed Mar 5, 2026MLS #TB8482821

✦ Reduced $128KPrivate poolSingle Family ResidenceAUTUMN WOODS-UNIT III

About this home

1351 WILLOW BROOK DR

Virtually Staged. Architectural Masterpiece: Originally commissioned and custom-built as the private personal estate for renowned luxury builder Marc Rutenberg and his family. Set on nearly half an acre in highly sought-after Autumn Woods, this one-of-a-kind 4-bedroom, 3.5-bath custom pool home offers exceptional privacy, quality craftsmanship and an outdoor living space that is increasingly difficult to find in Palm Harbor. The home is move-in ready and in great condition, while still offering the next owner the opportunity to personalize select spaces and make it their own. Inside, you'll find 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 are filled with natural light and open seamlessly to the pool and backyard. The chef's kitchen features 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 provides excellent flexibility for guests, multigenerational living or a home office. Upstairs are three additional bedrooms, including the private primary suite. The outdoor living space is truly a standout. Enjoy a private pool, expansive paver patio, fully fenced backyard, mature tropical landscaping and privacy hedges on nearly half an acre. Mango, lemon, fig and acerola cherry trees, an herb garden and landscape lighting complete the setting. Even the magnificent oak anchoring the property has a history—it was hand-selected after an extensive search throughout the Southeast, transported by flatbed and installed by crane approximately 30 years ago. Major 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, and under-sink reverse osmosis. A natural gas main is available through the local gas utility, providing the option for a future owner to add natural gas service. Located in Autumn Woods, a golf-cart-friendly community known for custom homes, mature trees and peaceful streets. Residents enjoy four community ponds, tennis courts and a private park, with A-rated area schools and convenient access to the Pinellas Trail, Gulf beaches, shopping, dining and major commuter routes. The property also offers private access to quiet, dead-end Bee Pond Road. Sellers are ready to make a move. If you've been searching for a Palm Harbor home with privacy, a pool, nearly half an acre and a level of custom character that cannot easily be replicated, 1351 Willow Brook Drive deserves to be experienced in person.

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

$371

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 · Natural Gas Available · 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.

$7,487 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,192
PMI (est., until 20% equity)$430
Property tax — 2025 actual bill$642
HOA fee — from the listing$63
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $114,750Loan30-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% · $114,750
Interest rate6.00%
Loan term

Estimated payment

$7,487/mo

Principal & interest$6,192
PMI (est., until 20% equity)$430
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 $1.1M
$780KedgeAI estimate $902,402 · range $813K–$929K$1.2M

vs edgeAI estimate

+27.2%

$/sqft vs Palm Harbor actives

$371 vs $265

Days on market

228 vs 68 typical

Where $371/sqft sits among the 400 Palm Harbor actives

72
78
79
96
35
40 · this home
$149–193$193–237$237–282$282–326$326–370$370+

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 Tampa≈ 43 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 seller — 3.7 months of inventoryBuyer’s market

$420K → $440K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

230 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 191% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,147,500 ▼ $128K
Mar 5, 2026Listed at $1,275,000 · 228 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · 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 Kathy'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 $7,487/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 $1,147,500, this home is listed about 195% 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 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

$1,147,500 runs 191% 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

228 days on market against a Palm Harbor median of 68 — 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 $1,147,500 — a $128K 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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