4897 HARBOR WOODS DRIVE, PALM HARBOR, FL, 34683
Active1 days on marketListed Oct 9, 2026MLS #TB8556005
About this home
4897 HARBOR WOODS DRIVE
Welcome to your turnkey oasis on the Palm Harbor and Tarpon Springs border! Nestled within a quiet, highly desirable deed restricted community with incredibly low HOA fees, this meticulously updated ~1,900 sq ft home offers the ultimate blend of luxury, privacy, and peace of mind. Boasting an expansive 4 bedroom, 3 full bath layout including two private en suites (perfect for guests or multi-generational living), no detail has been overlooked. Every major system, along with the gourmet kitchen and all three bathrooms, has been completely modernized within the last four years. From the sleek contemporary finishes to the newly upgraded automated sprinkler system that keeps your curb appeal flawless, this property is truly better than new construction. Step through the doors and discover a unique architectural layout designed entirely around a spectacular central courtyard, where nearly every room in the house offers direct access to the pool patio. This seamless indoor outdoor flow leads you straight to your own private poolside paradise, featuring a sparkling saltwater pool that has been beautifully resurfaced and is protected by a brand new panoramic screen enclosure that maximizes your views of the lush surroundings. Backed by all new 2026 pool equipment and complete with a modest covered area on the patio perfect for shaded outdoor dining or escaping the afternoon sun, this low maintenance retreat is ready for year round entertaining. Best of all, you are just minutes away from top rated Pinellas County schools, pristine Gulf beaches, and the vibrant dining, shopping, and culture of the world famous Tarpon Springs Sponge Docks. Schedule your private tour today and step into a lifestyle where absolutely everything has already been done for you!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,924
Sqft
0.18 ac
Lot size
1989
Year built
One
Levels
$299
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.
$3,806 /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
$3,806/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
+15%
$/sqft vs Palm Harbor actives
$299 vs $260
Days on market
1 vs 70 typical
Where $299/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 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 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
242 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 48% 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 4897 HARBOR WOODS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$480,000
117 HILLCREST DR · same community
3 bd · 2 ba · 1,872 sqft · $256/sqft · 486 DOM
Sold · Dec ’25$499,000
4962 HARBOR WOODS DRIVE · same community
3 bd · 2 ba · 1,631 sqft · $306/sqft · 6 DOM
Sold · Jun ’26$341,000
5203 2ND AVENUE DRIVE NW · same community
4 bd · 3 ba · 2,924 sqft · $117/sqft · 22 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4897 HARBOR WOODS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4897 HARBOR WOODS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4897 HARBOR WOODS DRIVE FAQs
What would the monthly payment be for 4897 HARBOR WOODS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,806/mo — principal and interest, the actual property-tax bill, the $32/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 4897 HARBOR WOODS DRIVE?+
The association fee works out to $32 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4897 HARBOR WOODS DRIVE?+
The most recent tax bill on record (2025) was $3,544. 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 4897 HARBOR WOODS 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 $575,000, this home is listed about 53% above the Palm Harbor median of $375,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4897 HARBOR WOODS DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$575,000 runs 48% above the PALM HARBOR 34683 median — but at 1,924 sqft it's also 31% larger than 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.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 70 — if it fits, move quickly.
04Strong 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 KELLER WILLIAMS ST PETE REALTY · Catherine Bostian. MLS #TB8556005.
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 4897 HARBOR WOODS 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 Shawn to ping you on any price or status change →