6890 COUNTY ROAD 95, PALM HARBOR, FL, 34684
Active13 days on marketListed Sep 8, 2026MLS #TB8545846
About this home
6890 COUNTY ROAD 95
Auction Property. ************ AUCTION!!!! SAT SEPT 26, at 12 Noon. Sold free and clear of all liens. List price is the opening bid. Auction held live on site at the property . Public is welcome to participate. *********** SUPER Rare Opportunity... 2 Homes on 3.2 Acres in Palm Harbor. A unique chance to create a PRIVATE COMPOUND, Home Business with plenty of OUTSIDE Storage, Have horses/Livestock or Generate Income. Two separate homes sit high on a hill with NO flood insurance required. The primary home is 2608 SF under air, 4 bed 4 bath farm styled home with covered front porch. A private In-Law suite is on the first floor and has its own entrance. The detached home is a single level 730 SF under air 2 bed 2 bath. Both homes need some TLC. There is plenty of additional space to build a large garage for RV's, boats or equipment. Going, going, almost GONE!
Facts & features
The home at a glance
6
Bedrooms
6
Bathrooms
3,338
Sqft
3.13 ac
Lot size
1983
Year built
Two
Levels
$157
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.
$4,209 /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
$4,209/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.
$/sqft vs ACREAGE & UNREC
$157 vs $388
Days on market
13 vs 52 typical
Where $157/sqft sits among the 99 homes for sale in ACREAGE & UNREC
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 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
43 of 99
ACREAGE & UNREC have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 119% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 6890 COUNTY ROAD 95
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$1,250,000
11619 LANE PARK ROAD · same community
5 bd · 4 ba · 2,964 sqft · $422/sqft · 238 DOM
Sold · Feb ’26$902,500
16647 E SHIRLEY SHORES ROAD · same community
4 bd · 3 ba · 2,726 sqft · $331/sqft · 143 DOM
Sold · Nov ’25$650,000
5850 LAKE LIZZIE DRIVE · same community
4 bd · 3 ba · 2,639 sqft · $246/sqft · 18 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 6890 COUNTY ROAD 95 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6890 COUNTY ROAD 95 — 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
6890 COUNTY ROAD 95 FAQs
What would the monthly payment be for 6890 COUNTY ROAD 95?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,209/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 6890 COUNTY ROAD 95?+
The most recent tax bill on record (2025) was $8,713. 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 6890 COUNTY ROAD 95?+
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 6890 COUNTY ROAD 95?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$525,000 runs 119% above the PALM HARBOR 34684 median — but at 3,338 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Vincent Gepp. MLS #TB8545846.
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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