8 CITRUS DRIVE, PALM HARBOR, FL, 34684
Active0 days on marketListed Oct 14, 2026MLS #TB8553786
Come see it
Upcoming open houses
Fri, Oct 16
2:00 PM – 4:00 PM
Sat, Oct 17
11:00 AM – 4:00 PM
Sun, Oct 18
12:00 PM – 3:00 PM
About this home
8 CITRUS DRIVE
2.75% ASSUMABLE MORTGAGE AVAILABLE, SUBJECT TO LENDER APPROVAL AND BUYER QUALIFICATION! Discover exceptional Lake Tarpon waterfront living with a flexible layout designed for multigenerational households. Whether parents are moving in with family, adult children are staying home longer, or guests need their own space, two primary suites and a separate exterior entrance offer privacy and connection under one roof. This extensively renovated home features 4 bedrooms, 3.5 bathrooms, and over 2,000 square feet of thoughtfully designed living space. Modern renovations combine custom finishes with everyday comfort. The open kitchen showcases soft-close cabinetry, Brazilian granite countertops, custom fixtures, and stainless steel LG appliances. Porcelain tile flooring flows into an expansive great room featuring a vaulted, solid wood coffered ceiling, built-in features, a projection television setup, and stunning lake views. The split-bedroom floor plan provides separation between the two primary suites. One suite features a spacious walk-in shower with dual shower heads and custom closet storage, while the second offers a private bathroom, generous walk-in closet, and separate exterior access. Accessibility modifications in an additional bathroom provide added flexibility. A full-size laundry room includes cabinetry and a utility sink. Double-pane sliding doors open to a private waterfront retreat with a 20-by-12-foot dock with electrical connectivity, a covered porch, and an outdoor food preparation area. Enjoy fishing, relaxing, and entertaining overlooking Lake Tarpon. Additional features include a fenced yard, aluminum hurricane shutters, and exterior storage room. Roof replaced in 2013, HVAC in 2017, and tankless water heater in 2018. Per seller, the home remained high and dry during both recent hurricanes. Convenient to shopping, dining, and Gulf Coast beaches. Experience a waterfront home with room to bring everyone together!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,094
Sqft
0.14 ac
Lot size
1968
Year built
One
Levels
$315
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.
$4,713 /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
$4,713/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
+17.1%
$/sqft vs Palm Harbor actives
$315 vs $263
Days on market
0 vs 68 typical
Where $315/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 Lake Shore
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Shore — neighborhood snapshot
Population
811
Median age
62
Median income
$78,149
Median home value
$311,987
Avg household
2
Households w/ children
53%
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)
233 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 154% 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 8 CITRUS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$500,000
3253 MONTROSE CIRCLE
4 bd · 2 ba · 2,043 sqft · $245/sqft · 63 DOM
Sold · Apr ’26$436,000
2320 CITRUS HILL ROAD
4 bd · 3 ba · 2,030 sqft · $215/sqft · 15 DOM
Sold · Dec ’25$579,999
2664 OLEANDER COURT
4 bd · 2 ba · 1,967 sqft · $295/sqft · 5 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8 CITRUS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8 CITRUS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8 CITRUS DRIVE FAQs
What would the monthly payment be for 8 CITRUS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,713/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 8 CITRUS DRIVE?+
The most recent tax bill on record (2025) was $9,003. 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 8 CITRUS 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 $659,000, this home is listed about 75% above the Palm Harbor median of $375,500. The market section on this page shows how the area is trending.
Which schools are assigned to 8 CITRUS DRIVE?+
Highland Lakes 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
$659,000 runs 154% above the PALM HARBOR 34684 median — but at 2,094 sqft it's also 43% larger than 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.
03Fresh on the market
Listed today in a Palm Harbor market that averages 68 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX COLLECTIVE · Heather Stotts. MLS #TB8553786.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 8 CITRUS DRIVE but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kathy to ping you on any price or status change →