303 MORNINGSIDE DRIVE, PALM HARBOR, FL, 34683
Active4 days on marketListed Aug 31, 2026MLS #TB8542477
About this home
303 MORNINGSIDE DRIVE
This cleared 80 ft x 100 ft (7,000 sq ft / 0.16 acre) homesite at 303 Morningside Drive offers 68 feet of saltwater canal frontage, a canal view, and sailboat water with no fixed bridges to the Gulf. Open water on the Intracoastal is about 2,000 feet from the lot. The prior home has been demolished, so the parcel is clean and ready for a new custom coastal home. An existing dock with boat lift is already in place. That means a buyer can use the water on day one while plans for the new home move forward. True waterfront — not just a water view No-bridge sailboat access to the Gulf Dock and lift already on site Public water, sewer, electric, cable, and internet available Zoning R-3 Room on the 68x100 lot for a new home, outdoor living, and a pool About 2 miles to Innisbrook Golf Resort Minutes to downtown Palm Harbor, Ozona, Tarpon Springs, Honeymoon Island, Caladesi Island, and the Pinellas Trail Assigned schools include Sutherland Elementary (A-rated), Tarpon Springs Middle, and Tarpon Springs High About 22 miles to Tampa International Airport Saltwater lots with sailboat access and a usable dock are scarce in north Pinellas. Build your waterfront home here and keep the boat in your backyard.
Facts & features
The home at a glance
0.16 ac
Lot size
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.
$4,404 /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
$4,404/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.
Where it sits
Inside Baywood Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Baywood Village — neighborhood snapshot
Population
962
Median age
50
Median income
$78,162
Median home value
$451,100
Avg household
2
Households w/ children
38%
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 58% 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 303 MORNINGSIDE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$350,000
326 CIRCLE DRIVE · same community
3 bd · 2 ba · 1,374 sqft · $255/sqft · 71 DOM
Sold · Jun ’26$345,000
314 CIRCLE DRIVE · same community
3 bd · 2 ba · 1,481 sqft · $233/sqft · 116 DOM
Sold · Oct ’25$290,000
224 TIMBERLANE DRIVE · same community
4 bd · 1.5 ba · 1,484 sqft · $195/sqft · 25 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 303 MORNINGSIDE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 303 MORNINGSIDE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
303 MORNINGSIDE DRIVE FAQs
What would the monthly payment be for 303 MORNINGSIDE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,404/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 303 MORNINGSIDE DRIVE?+
The most recent tax bill on record (2025) was $9,383. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $600,000, this home is listed about 59% 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 303 MORNINGSIDE DRIVE?+
Sunset Hills Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs 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
$600,000 runs 58% above the PALM HARBOR 34683 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Palm Harbor market that averages 52 — if it fits, move quickly.
04Strong assigned schools
Sunset Hills Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of WINWAY REALTY · Matthew Carr. MLS #TB8542477.
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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