104 KLOSTERMAN ROAD W, PALM HARBOR, FL, 34683
Active3 days on marketListed Oct 16, 2026MLS #TB8555060
Come see it
Upcoming open house
Fri, Oct 23
4:00 PM – 7:00 PM
About this home
104 KLOSTERMAN ROAD W
Discover the ultimate Florida waterfront lifestyle in this stunning coastal retreat, perfectly suited as a private residence, vacation getaway, or high-performing rental investment. With spectacular St Joseph Sound and Gulf views from nearly every room, this exceptional home captures the beauty of its surroundings while offering the comfort, privacy, and amenities you’ve been looking for. Nestled at the end of a quiet cul-de-sac, this property offers direct deep-water Gulf access from your private dock, making it ideal for boating, sailing, fishing, and exploring the pristine islands and waterways nearby. The waterfront has been thoughtfully enhanced with a new dock in 2024 and boat lift in 2025, creating an exceptional setup for enjoying life on the water. The home has also been thoughtfully updated with numerous recent improvements, including: New kitchen and appliances — 2024 New water heater — 2024 New pool pump — 2024 New dock — 2024 New boat 10,000 lb lift — 2025 New washer and dryer — 2025 Roof — 2018 (upper roof) / 2005 (lower roof) Outside, low-maintenance landscaping allows you to spend more time enjoying the spectacular Florida setting. A serene private pool creates your own secluded oasis, tucked away from neighboring views and perfect for relaxing in the sunshine or unwinding after a day on the water. Inside, the main living level showcases an inviting open-concept design created to maximize the incredible water views. Elegant finishes and designer touches complement the space, including solid wood cabinetry, quartz countertops, and a beautiful bar area—perfect for entertaining family and friends. The spacious main level also features ample storage, a stylish powder room, a laundry/utility room, and a garage, providing both functionality and convenience. Upstairs, you'll find four generously sized bedrooms and two beautifully appointed bathrooms, each featuring double vanities. Step outside onto the expansive upper deck and enjoy refreshing Gulf breezes, breathtaking sunsets, and uninterrupted waterfront vistas. Whether you're looking for a private coastal sanctuary, a second home, or an investment property with strong vacation-rental appeal, this exceptional Gulf-access residence offers an opportunity to embrace the best of Florida waterfront living. Properties offering this combination of deep-water access, Gulf views, private dockage, pool, and recent updates are highly sought after. Don't miss your opportunity to make this extraordinary coastal retreat your own.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,542
Sqft
0.2 ac
Lot size
2
Garage
1973
Year built
Two
Levels
$522
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.
$12,236 /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
$12,236/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
+165.6%
$/sqft vs BAYWOOD VILLAGE
$522 vs $386
Days on market
3 vs 68 typical
Where $522/sqft sits among the 8 homes for sale in BAYWOOD VILLAGE
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 Baywood Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Baywood Village — neighborhood snapshot
Population
962
Median age
50
Median income
$78,162
Median home value
$451,100
Avg household
2
Households w/ children
38%
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)
4 of 8
BAYWOOD VILLAGE have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 368% 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 104 KLOSTERMAN ROAD W
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$2,300,000
100 DRIFTWOOD DRIVE W · same community
3 bd · 3 ba · 3,388 sqft · $679/sqft · 196 DOM
Sold · Aug ’26$1,930,000
507 DRIFTWOOD DRIVE E · same community
4 bd · 3 ba · 2,720 sqft · $710/sqft · 84 DOM
Sold · Jun ’26$925,000
300 DRIFTWOOD DRIVE W · same community
3 bd · 3 ba · 2,124 sqft · $435/sqft · 17 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 104 KLOSTERMAN ROAD W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 KLOSTERMAN ROAD W — 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
104 KLOSTERMAN ROAD W FAQs
What would the monthly payment be for 104 KLOSTERMAN ROAD W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,236/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 104 KLOSTERMAN ROAD W?+
The most recent tax bill on record (2025) was $16,798. 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 104 KLOSTERMAN ROAD W?+
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 $1,850,000, this home is listed about 376% above the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 104 KLOSTERMAN ROAD W?+
Sunset Hills 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
Four things that matter here
01Positioned at the premium end
$1,850,000 runs 368% above the PALM HARBOR 34683 median — but at 3,542 sqft it's also nearly twice the size of 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
Only 3 days on market in a Palm Harbor market that averages 68 — if it fits, move quickly.
04Strong assigned schools
Sunset Hills Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Matt Brown. MLS #TB8555060.
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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