520 SANDY HOOK ROAD, PALM HARBOR, FL, 34683
Active2 days on marketListed Oct 10, 2026MLS #TB8556920
About this home
520 SANDY HOOK ROAD
Welcome to 520 Sandy Hook Road, located in the highly desirable WESTLAKE VILLAGE community in the heart of Palm Harbor! This spacious 3 bedroom, 2 bathroom POOL HOME offers 1,976 square feet of living space, a 2-car garage, an oversized lot, and the perfect combination of comfort, convenience, and Florida living. Situated in FLOOD ZONE X with an approximate ELEVATION OF 60 FEET, this home offers an appealing location in one of Palm Harbor's most established neighborhoods. Major updates include ROOF (2020), WINDOWS AND DOORS (2019), WATER HEATER (2020), and POOL PUMP (2021) Inside, you'll find a spacious split-bedroom floor plan with TILE FLOORING throughout the main living areas, providing both style and easy maintenance. The primary suite features an ensuite bathroom and sliding glass doors leading directly to the screened lanai. The comfortable living spaces offer a functional layout for everyday living and entertaining. Step outside and enjoy your own private Florida retreat, complete with a SCREENED-IN POOL, spacious lanai, and fully FENCED backyard. Whether enjoying your morning coffee, relaxing poolside, or hosting gatherings, this outdoor space is designed to make the most of Florida's beautiful weather. Westlake Village is a GOLF CART-FRIENDLY COMMUNITY known for its beautiful tree-lined streets, mature landscaping, and exceptional amenities. Residents can enjoy PICKLEBALL, TENNIS, BASKETBALL, VOLLEYBALL, A COMMUNITY SWIMMING POOL, CLUBHOUSE, PLAYGROUND, AND SCENIC WALKING TRAILS. The neighborhood is close to the PINELLAS TRAIL, perfect for walking, jogging, and biking. Location is everything, and this home delivers! Conveniently situated near downtown Palm Harbor, charming downtown Dunedin, local restaurants, shopping, marinas, and waterfront activities, you'll have endless opportunities to enjoy the Florida lifestyle. Beautiful HONEYMOON ISLAND STATE PARK, nearby Gulf beaches, and Tampa International Airport are all within convenient reach. The home is also currently zoned for SUTHERLAND ELEMENTARY, PALM HARBOR MIDDLE SCHOOL, AND PALM HARBOR UNIVERSITY HIGH SCHOOL. With its desirable FLOOD ZONE X location, significant updates, private pool, and access to outstanding neighborhood amenities, this Westlake Village home offers an incredible opportunity to enjoy everything Palm Harbor has to offer. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,976
Sqft
0.27 ac
Lot size
1977
Year built
One
Levels
$276
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.
$4,077 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,077/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+5.2%
$/sqft vs Palm Harbor actives
$276 vs $260
Days on market
2 vs 69 typical
Where $276/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 Westlake 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 →
Westlake Village — neighborhood snapshot
Population
1,504
Median age
47
Median income
$126,422
Median home value
$474,000
Avg household
3
Households w/ children
150
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 42% 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 520 SANDY HOOK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$560,000
720 HICKORY LANE · same community
4 bd · 2 ba · 1,945 sqft · $288/sqft · 2 DOM
Sold · Aug ’26$523,000
795 HICKORY LANE · same community
3 bd · 2 ba · 1,933 sqft · $271/sqft · 26 DOM
Sold · Aug ’26$578,000
165 WOODCUTTER LANE · same community
4 bd · 2 ba · 2,025 sqft · $285/sqft · 24 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 520 SANDY HOOK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 520 SANDY HOOK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
520 SANDY HOOK ROAD FAQs
What would the monthly payment be for 520 SANDY HOOK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,077/mo — principal and interest, the actual property-tax bill, the $73/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 520 SANDY HOOK ROAD?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 520 SANDY HOOK ROAD?+
The most recent tax bill on record (2025) was $4,738. 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 520 SANDY HOOK ROAD?+
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 $545,000, this home is listed about 44% 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 520 SANDY HOOK ROAD?+
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
$545,000 runs 42% above the PALM HARBOR 34683 median — but at 1,976 sqft it's also 35% 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 2 days on market in a Palm Harbor market that averages 69 — if it fits, move quickly.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Stacey Ward. MLS #TB8556920.
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 520 SANDY HOOK ROAD 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 Donna to ping you on any price or status change →