839 FLORIDA AVENUE, PALM HARBOR, FL, 34683
Active30 days on marketListed Sep 12, 2026MLS #TB8542981
About this home
839 FLORIDA AVENUE
Coastal Charm, Golf Cart Living & Endless Possibilities! Welcome to this beautifully updated 3-bedroom, 3-bath coastal retreat nestled in the heart of Palm Harbor's highly sought-after golf cart district. Whether you're searching for a primary residence, seasonal escape, or income-producing property, this versatile home offers the perfect blend of comfort, convenience, and the relaxed Florida lifestyle buyers are seeking. Just steps from Pop Stansell Park and Sutherland Bayou, you'll enjoy easy access to waterfront recreation, local restaurants, breweries, live entertainment, and the vibrant charm of Downtown Palm Harbor. This prime location places you in the center of one of Tampa Bay's most desirable coastal communities. Designed with comfort and entertaining in mind, the thoughtfully arranged floor plan features two private king suites with en-suite baths, a flexible guest bedroom ideal for family and friends, an updated kitchen with quartz countertops and stainless-steel appliances, inviting living spaces, and modern finishes throughout. Step outside and discover your own private backyard oasis. The fully fenced property is perfect for both relaxation and entertaining, featuring a large hot tub, charming tiki hut, multiple outdoor gathering areas, and a storage shed. Whether you're unwinding after a day on the water or hosting friends for an evening under the stars, this resort-inspired outdoor space offers year-round enjoyment. Golf cart-friendly living allows you to effortlessly explore the best of the area, from waterfront parks and local restaurants to breweries, festivals, and community events. Nearby attractions include Honeymoon Island, Downtown Dunedin, Tarpon Springs, Clearwater Beach, boating, fishing, paddleboarding, and countless opportunities to enjoy Florida's coastal lifestyle. Adding to its appeal, the property has a proven rental history, making it an attractive option for buyers seeking flexibility and income potential.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,311
Sqft
0.16 ac
Lot size
1950
Year built
One
Levels
$400
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.
$4,042 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,042/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+41.5%
$/sqft vs Palm Harbor actives
$400 vs $260
Days on market
30 vs 69 typical
Where $400/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 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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
240 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 37% 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 839 FLORIDA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$315,000
553 JEFFERSON STREET · same community
2 bd · 2 ba · 1,296 sqft · $243/sqft · 112 DOM
Sold · Aug ’26$677,000
815 FLORIDA AVENUE · same community
5 bd · 3 ba · 1,330 sqft · $509/sqft · 124 DOM
Sold · Oct ’25$525,000
832 FLORIDA AVENUE · same community
4 bd · 2 ba · 1,253 sqft · $419/sqft · 8 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 839 FLORIDA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 839 FLORIDA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
839 FLORIDA AVENUE FAQs
What would the monthly payment be for 839 FLORIDA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,042/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 839 FLORIDA AVENUE?+
The most recent tax bill on record (2025) was $6,707. 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 839 FLORIDA AVENUE?+
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 $525,000, this home is listed about 39% 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 839 FLORIDA AVENUE?+
Sutherland 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Tania Borelli. MLS #TB8542981.
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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