135 HARBOR DRIVE, PALM HARBOR, FL, 34683
Active5 days on marketListed Oct 14, 2026MLS #TB8557548
About this home
135 HARBOR DRIVE
Move-in ready waterfront retreat with expansive Gulf, ocean, and Intracoastal Waterway views, perfect as your dream home or a turnkey Airbnb investment. Sold fully furnished with no HOA and no short-term rental restrictions. This fully updated, open-concept home offers 6 bedrooms, 5 baths, and 3,132 square feet with wood cabinets, granite countertops, and a walk-in pantry. The spa-like primary bath features a frameless glass walk-in shower with water views. Outside, enjoy a private pool and spa, a covered lanai with outdoor dining, an expansive paver deck along the seawall, and your own private dock — all framed by lush tropical landscaping. A fireplace and rare two-car garage with full bath complete the package. Set in the heart of golf-cart-friendly Palm Harbor, you're just a short drive from charming restaurants, shops, and the pristine beaches of Honeymoon Island. Move right in and make it your own."
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
3,132
Sqft
0.21 ac
Lot size
1960
Year built
Two
Levels
$559
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.
$11,724 /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
$11,724/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
+170.5%
$/sqft vs Palm Harbor actives
$559 vs $265
Days on market
5 vs 68 typical
Where $559/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 Ozona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ozona — neighborhood snapshot
Population
2,744
Median age
49
Median income
$47,842
Median home value
$625,873
Avg household
3
Households w/ children
242
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)
231 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 343% 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 135 HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$985,000
2716 COUNTRY WOODS LANE
5 bd · 3.5 ba · 3,224 sqft · $306/sqft · 6 DOM
Sold · Oct ’25$1,550,000
761 SOUNDVIEW DRIVE
5 bd · 4.5 ba · 3,003 sqft · $516/sqft · 20 DOM
Sold · Nov ’25$1,139,025
316 HILLPOINT DRIVE
5 bd · 3.5 ba · 3,369 sqft · $338/sqft · 117 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 135 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 135 HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
135 HARBOR DRIVE FAQs
What would the monthly payment be for 135 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,724/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 135 HARBOR DRIVE?+
The most recent tax bill on record (2025) was $17,577. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $1,750,000, this home is listed about 350% 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 135 HARBOR DRIVE?+
Ozona Elementary School (elementary), Palm Harbor University High (high), 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
$1,750,000 runs 343% above the PALM HARBOR 34683 median — but at 3,132 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 5 days on market in a Palm Harbor market that averages 68 — if it fits, move quickly.
04Strong assigned schools
Ozona Elementary School, Palm Harbor University High, Palm Harbor Middle School — Ozona Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Silvia Giorgi. MLS #TB8557548.
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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