CENTURY 21 Edge
$849,000$899,0005 bd3.5 ba3,420 sqft$248 /sqft≈$5,894 /mo all-in ↓

1304 TREETOP DRIVE, PALM HARBOR, FL, 34683

Active17 days on marketListed Sep 25, 2026MLS #TB8551304

✦ Reduced $50KPrivate poolSingle Family ResidenceINDIAN TRAILS ADD

About this home

1304 TREETOP DRIVE

Multi generational home! Welcome to this spacious 3,400-square-foot multigenerational home, offering an exceptional combination of space, flexibility, and privacy. Situated on nearly half an acre, this unique split-level property features 4 bedrooms, 2½ bathrooms, a 2-car garage, a birdcage-enclosed pool, and an impressive 840-square-foot mother in-law suite. Step inside on the main level, where you’ll find a welcoming eat-in kitchen, living room, and formal dining room. The kitchen and main living areas feature attractive and easy-care luxury vinyl plank flooring. Just off the kitchen is a large family room with a wood-burning fireplace, creating a warm and inviting space for family gatherings and entertaining. From both the kitchen and family room, step into the huge enclosed porch, providing an abundance of additional space for relaxing and entertaining while overlooking the pool and outdoor area. With nearly half an acre of property and a birdcage-enclosed swimming pool, there is plenty of room to enjoy the Florida lifestyle both indoors and out. Additionally the house has all the hurricane shutters including the protection for the covered porch and covered patio. A conveniently located laundry room is situated just off the family room and provides easy access to the large 2-car garage. One of the home's most distinctive features is the 840-square-foot in-law suite. This spacious, open studio-style suite includes its own full bathroom and kitchenette, with plenty of room to comfortably create separate areas for sleeping, dining, relaxing, and watching TV. It offers an excellent setup for extended family, multigenerational living, guests, or anyone who would benefit from a private living space while remaining connected to the main home. Additional features and updates include air conditioning installed in 2017, roof replaced in 2011, water heater replaced in 2020, and luxury vinyl plank flooring throughout the kitchen and main living areas. With approximately 3,400 square feet of living space, an oversized lot, multiple gathering areas, a huge enclosed porch, private pool, and an exceptionally spacious in-law suite, this home provides the room and versatility to accommodate multiple generations under one roof while still allowing everyone their own space and privacy. Less than 10 miles from Clearwater Beach it is an ideal location and place to live

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,420

Sqft

0.49 ac

Lot size

2

Garage

1985

Year built

Three Or More

Levels

$248

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationBasement · Concrete Perimeter · Slab
FacesNorth
ExteriorBalcony · Garden · Hurricane Shutters · Irrigation System · Lighting · Sidewalk · Sliding Doors

Community & fees

HOA fee$21/mo
Taxes (2025)$9,763/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected
WaterPublic

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.

$5,894 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property tax — 2025 actual bill$814
HOA fee — from the listing$21
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,900
Interest rate6.00%
Loan term

Estimated payment

$5,894/mo

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property taxes (actual bill)$814
HOA / condo fee$21
Est. insurance$160

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.

List $849K
$815KedgeAI estimate $1,097,630 · range $988K–$1.1M$1.2M

vs edgeAI estimate

−22.7%

$/sqft vs Palm Harbor actives

$248 vs $263

Days on market

17 vs 69 typical

Where $248/sqft sits among the 400 Palm Harbor actives

76
78
86 · this home
75
47
38
$155–196$196–238$238–280$280–321$321–363$363+

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 Trails

Drive times from this address

Tampa Int’l Airport (TPA)≈ 38 min
Downtown Tampa≈ 41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Indian Trails — neighborhood snapshot

Population

1,101

Median age

47

Median income

$126,422

Median home value

$474,000

Avg household

3

Households w/ children

126

For the school run

Pinellas County School District

HighPalm Harbor University High★★★★★
ElementarySutherland Elementary School★★★★★
MiddlePalm Harbor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller — 3.7 months of inventoryBuyer’s market

$420K → $440K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

241 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 122% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $849,000 ▼ $50K
Sep 25, 2026Listed at $899,000 · 17 days on market since
1985Built · INDIAN TRAILS ADD

Reality check

What actually sold near 1304 TREETOP DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1378 ROLLING RIDGE ROADSold · Dec ’25

$660,000

1378 ROLLING RIDGE ROAD · same community

3 bd · 2 ba · 2,286 sqft · $289/sqft · 25 DOM

2383 INDIAN TRAIL ESold · Nov ’25

$560,000

2383 INDIAN TRAIL E · same community

3 bd · 2 ba · 2,083 sqft · $269/sqft · 23 DOM

6335 TOCOBEGA COURTSold · Aug ’26

$379,000

6335 TOCOBEGA COURT · same community

3 bd · 2 ba · 1,602 sqft · $237/sqft · 23 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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1304 TREETOP DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1304 TREETOP DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1304 TREETOP DRIVE FAQs

What would the monthly payment be for 1304 TREETOP DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,894/mo — principal and interest, the actual property-tax bill, the $21/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 1304 TREETOP DRIVE?+

The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1304 TREETOP DRIVE?+

The most recent tax bill on record (2025) was $9,763. 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 1304 TREETOP 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 $849,000, this home is listed about 125% 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 1304 TREETOP 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

$849,000 runs 122% above the PALM HARBOR 34683 median — but at 3,420 sqft it's also nearly twice the size of 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.

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 $899,000, now $849,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of STONEBRIDGE REAL ESTATE CO · Louise Cournoyer. MLS #TB8551304.

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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