
128 CARLYLE DRIVE, PALM HARBOR, FL, 34683
Active47 days on marketListed Aug 26, 2026MLS #TB8542497
About this home
128 CARLYLE DRIVE
WOW — ABSOLUTELY STUNNING LUXURY WATERFRONT HOME! Welcome to 128 Carlyle Dr, Palm Harbor, FL 34683, an extraordinary waterfront residence where breathtaking views, thoughtful design, and resort-style outdoor living come together in one of Palm Harbor’s most desirable locations. Meticulously redesigned by OG Interiors, this home has been transformed with a sophisticated coastal style while still feeling warm, comfortable, and inviting. The true showstopper is the incredible outdoor living space. Designed for entertaining and enjoying the Florida lifestyle year-round, the backyard features brand-new, low-maintenance turf, professionally installed landscape lighting, mature palms, and an expansive resort-style swimming pool surrounded by multiple areas for lounging and entertaining. The brand-new outdoor kitchen is complete with a bar, TV, and plenty of space to gather with family and friends. As the sun begins to set, head to the waterfront fire pit lounge and take in the spectacular open-water views toward Honeymoon Island. This is the kind of backyard that feels like your own private resort. Boaters and anglers will appreciate the brand-new composite dock with fish-cleaning station, offering direct access to the water and making it easy to enjoy boating, fishing, kayaking, paddleboarding, and everything the Gulf Coast lifestyle has to offer. Inside, walls of windows and doors take advantage of the incredible waterfront setting and fill the home with natural light. The spacious kitchen and living areas are designed for entertaining, while multiple balconies and outdoor spaces allow you to enjoy the views from throughout the property. Beautiful finishes, custom details, updated bathrooms, designer lighting, and carefully selected fixtures can be found throughout. The home offers 5 bedrooms, 4 full bathrooms and 2 half bathrooms, plus a versatile additional downstairs living area featuring its own kitchenette, lounge area and full bathroom—ideal for guests, extended family, a private retreat, game room, or additional entertaining space. Additional highlights include a private putting green, outdoor fire pit, expansive pool and covered entertaining areas, multiple waterfront balconies, generous storage, garage space, and spectacular sunset views. This is more than a waterfront home—it is a complete Florida lifestyle. Spend the day on the water, entertain by the pool, enjoy dinner from your outdoor kitchen, and finish the evening around the fire pit watching the sun disappear over the Gulf. Homes with this combination of waterfront, outdoor living, design, boating access, and views rarely become available. Reach out to me today to schedule your private tour of 128 Carlyle Dr and experience this incredible property in person.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,434
Sqft
0.33 ac
Lot size
2
Garage
1990
Year built
Three Or More
Levels
$946
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.
$21,607 /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
$21,607/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
+140.9%
$/sqft vs Palm Harbor actives
$946 vs $260
Days on market
47 vs 69 typical
Where $946/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 Indian Bluff Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Indian Bluff Island — 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)
239 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 749% 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 128 CARLYLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,375,250
154 CARLYLE DRIVE · same community
3 bd · 2.5 ba · 2,631 sqft · $523/sqft · 0 DOM
Sold · Nov ’25$595,000
129 CARLYLE DRIVE · same community
3 bd · 2 ba · 2,333 sqft · $255/sqft · 0 DOM
Sold · Oct ’26$560,000
125 CARLYLE DRIVE · same community
4 bd · 2 ba · 2,279 sqft · $246/sqft · 119 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 128 CARLYLE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 CARLYLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
128 CARLYLE DRIVE FAQs
What would the monthly payment be for 128 CARLYLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,607/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 128 CARLYLE DRIVE?+
The most recent tax bill on record (2025) was $32,302. 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 $3,250,000, this home is listed about 761% 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 128 CARLYLE DRIVE?+
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
$3,250,000 runs 749% above the PALM HARBOR 34683 median — but at 3,434 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $3,750,000, now $3,250,000 — a $500K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Bill Gramatica. MLS #TB8542497.
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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