503 PALM AVENUE, PALM HARBOR, FL, 34683
Active149 days on marketListed May 22, 2026MLS #TB8508594
About this home
503 PALM AVENUE
KEY WEST STYLE HOME with COASTAL ELEGANCE - Perfectly elevated and ideally situated just moments from the sparkling waters of the Gulf of Mexico and steps from the iconic Pinellas Trail, this well-built meticulously maintained 3-bedroom 3-bathroom home offers a blend of coastal luxury and active lifestyle living. Step inside to an expansive sun-drenched great room boasting high ceilings that amplify the feeling of spaciousness and a magnificent stacked rock fireplace. The seamless kitchen with breakfast bar, dining and family room combination is perfect for entertaining or cozy nights at home. French doors open onto the private screened porch balcony- your new favorite spot for morning coffee or sunset breezes. Rich engineered hardwood floors and durable tile flow throughout. The Primary Suite serves as a true sanctuary, featuring a walk-in closet and a spa-like ensuite bath complete with a huge walk-in shower, double-sink vanity and a separate water closet for added privacy. Peace of mind comes from with significant upgrades including; a new ROOF (2024) a professionally updated backyard (2024) and whole house SPRINKLER SYSTEM. A FOUR- CAR TANDEM GARAGE has plenty of room for vehicles, boat, golf cart, etc. All this in the heart of Cyrstal Beach close to beaches, restaurants and shopping. This coastal gem is perfect for the Florida lifestyle. Don't miss it!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,928
Sqft
0.13 ac
Lot size
4
Garage
2004
Year built
Three Or More
Levels
$321
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.
$4,154 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,154/mo
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.
vs edgeAI estimate
+8%
$/sqft vs Palm Harbor actives
$321 vs $265
Days on market
149 vs 68 typical
Where $321/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 Crystal Beach Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Crystal Beach Heights — neighborhood snapshot
Population
881
Median age
43
Median home value
$680,500
Avg household
3
Households w/ children
159
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 57% 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 503 PALM AVENUE
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$619,900
501 PALM AVENUE · same community
4 bd · 2.5 ba · 2,359 sqft · $263/sqft · 49 DOM
Sold · Mar ’26$349,900
3307 DE SOTO BOULEVARD · same community
2 bd · 1 ba · 1,110 sqft · $315/sqft · 123 DOM
Sold · Aug ’26$575,000
1879 TRAILSIDE DRIVE
3 bd · 2.5 ba · 1,931 sqft · $298/sqft · 3 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 503 PALM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 503 PALM AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
503 PALM AVENUE FAQs
What would the monthly payment be for 503 PALM AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,154/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 503 PALM AVENUE?+
The most recent tax bill on record (2025) was $5,062. 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 503 PALM AVENUE?+
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 $619,000, this home is listed about 59% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 503 PALM AVENUE?+
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
Four things that matter here
01Positioned at the premium end
$619,000 runs 57% above the PALM HARBOR 34683 median — but at 1,928 sqft it's also 29% larger than the typical Palm Harbor listing.
02Time on market is leverage
149 days on market against a Palm Harbor median of 68 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $649,000, now $619,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Katherine Congdon. MLS #TB8508594.
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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