605 TOMOKA DRIVE, PALM HARBOR, FL, 34683
Active1 days on marketListed Aug 6, 2026MLS #TB8535819
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About this home
605 TOMOKA DRIVE
Welcome to this well-maintained four-bedroom, two-bathroom pool home offering 2,321 square feet of thoughtfully designed living space in Palm Harbor. Situated on a spacious corner lot at the end of a dead-end street with no neighbors on one side, this home features a brand-new 2026 roof, 2025 water heater, fresh interior paint, a three-car garage, and an impressive list of upgrades designed for comfortable Florida living. A welcoming foyer leads into the home where you'll find soaring ceilings, wood-look tile flooring, and an open, split-bedroom floor plan that provides both privacy and functionality. The spacious living areas flow seamlessly together, creating the perfect setting for everyday living and entertaining. The kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, rich wood cabinetry, a separate pantry, and ample counter space overlooking the main living areas. A separate dining room offers the ideal space for hosting family dinners and special occasions. Privately situated on one side of the home, the expansive primary suite serves as a relaxing retreat with French doors leading directly to the screened lanai and pool area. The oversized en-suite bathroom features a dual sink vanity, soaking tub, glass-enclosed walk-in shower, and two walk-in closets, providing exceptional storage and convenience. Three additional bedrooms are located on the opposite side of the home, offering flexibility for family, guests, or a home office. The secondary bathroom includes direct access to the pool, making outdoor entertaining effortless. Step outside to your own backyard oasis where the recently resurfaced private pool takes center stage. The pool pump was replaced earlier this year, and the solar pool heater with Bluetooth controls allows you to easily manage the water temperature from your smartphone. The screened lanai features a motorized privacy screen and LED lighting throughout the enclosure, creating the perfect atmosphere for relaxing evenings or entertaining guests. Beyond the screened enclosure, a spacious wooden deck provides an additional outdoor living space, ideal for lounging in the Florida sunshine. Conveniently located near top-rated schools, shopping centers, a variety of dining options, and just a short drive to the beautiful Gulf beaches, this exceptional Palm Harbor home offers the perfect combination of space, privacy, updates, and an unbeatable location. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,321
Sqft
0.31 ac
Lot size
3
Garage
1991
Year built
One
Levels
$291
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 and the real association fee — not generic estimates.
$4,927 /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
$4,927/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
−9%
Days on market
1 vs 47 typical
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 605 TOMOKA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 605 TOMOKA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
605 TOMOKA DRIVE FAQs
What would the monthly payment be for 605 TOMOKA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,927/mo — principal and interest, the actual property-tax bill, the $70/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 605 TOMOKA DRIVE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 605 TOMOKA DRIVE?+
The most recent tax bill on record (2025) was $9,614. 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 605 TOMOKA DRIVE?+
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 $675,000, this home is listed about 78% above the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 605 TOMOKA DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$675,000 runs 73% above the PALM HARBOR 34683 median — but at 2,321 sqft it's also 59% larger than 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.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 47 — if it fits, move quickly.
04Strong 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.
Listing courtesy of EXP REALTY LLC · Jeffrey Borham, PA. MLS #TB8535819.
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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