
1304 TREETOP DRIVE, PALM HARBOR, FL, 34683
Active17 days on marketListed Sep 25, 2026MLS #TB8551304
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
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 and the real association fee — not generic estimates.
$5,894 /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
$5,894/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
−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
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
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
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)
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
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.
Sold · Dec ’25$660,000
1378 ROLLING RIDGE ROAD · same community
3 bd · 2 ba · 2,286 sqft · $289/sqft · 25 DOM
Sold · Nov ’25$560,000
2383 INDIAN TRAIL E · same community
3 bd · 2 ba · 2,083 sqft · $269/sqft · 23 DOM
Sold · 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.
Your agent
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1304 TREETOP DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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