433 PINE WARBLER WAY N, PALM HARBOR, FL, 34683
Active2 days on marketListed Oct 23, 2026MLS #TB8559897
Come see it
Upcoming open house
Sun, Oct 25
11:00 AM – 4:00 PM
About this home
433 PINE WARBLER WAY N
Some homes are designed for the way we live, while others make room for the way we want to live. In the sought-after Pipers Meadow community, this beautifully updated pool home brings together inviting gathering spaces, private retreats and the flexibility to accommodate life’s changing needs. With 2,614 square feet, 4 bedrooms, 3 bathrooms and a 3-car garage, the thoughtfully designed three-way split floor plan offers both comfort and versatility. The spacious living and dining areas overlook the pool and lanai, creating a welcoming backdrop for everyday living and entertaining. The oversized kitchen features abundant cabinetry, an oversized pantry, stainless steel appliances and an adjoining dinette, flowing naturally into the expansive family room, where a charming wood-burning fireplace adds warmth and character. The well-designed bedroom layout provides two secondary bedrooms that share a full bathroom, while the fourth bedroom enjoys its own private bath with direct access to the pool area, ideal for guests or multigenerational living. The generously sized primary suite offers a dedicated office enclosed by elegant glass French doors, while the ensuite bath features an oversized walk-in shower, soaking tub, extended vanity and private water closet. Recent updates include wood laminate flooring throughout most of the home and fresh interior paint (2026), HVAC system (2023) and roof (2020). Life in Pipers Meadow extends beyond your front door, with a welcoming neighborhood atmosphere and social activities that include block parties, a book club, Bunco and the popular Jolly Trolley holiday light tour. Zoned for Palm Harbor University High School and Palm Harbor Middle School, the community also offers low HOA fees and Flood Zone X. Enjoy convenient access to some of Florida’s most beautiful beaches, the Pinellas Trail, shopping, restaurants and medical facilities. With its inviting spaces, flexible floor plan and wonderful neighborhood setting, this home offers more than a place to live; it offers a lifestyle to love.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,619
Sqft
0.25 ac
Lot size
3
Garage
1990
Year built
One
Levels
$325
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.
$6,395 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$6,395/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+9.1%
$/sqft vs Palm Harbor actives
$325 vs $264
Days on market
2 vs 63 typical
Where $325/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 Pipers Meadows
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Pipers Meadows — neighborhood snapshot
Population
505
Median age
39
Median income
$150,022
Median home value
$493,880
Avg household
3
Households w/ children
63%
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)
227 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 113% 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 433 PINE WARBLER WAY N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$859,600
1848 BARN OWL WAY · same community
4 bd · 3 ba · 2,614 sqft · $329/sqft · 5 DOM
Sold · Aug ’26$725,000
751 HOUSE WREN CIRCLE · same community
4 bd · 3 ba · 2,581 sqft · $281/sqft · 10 DOM
Sold · Jul ’26$708,000
1856 WOOD THRUSH WAY · same community
4 bd · 3 ba · 2,407 sqft · $294/sqft · 34 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 433 PINE WARBLER WAY N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 433 PINE WARBLER WAY N — 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
433 PINE WARBLER WAY N FAQs
What would the monthly payment be for 433 PINE WARBLER WAY N?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,395/mo — principal and interest, the actual property-tax bill, the $33/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 433 PINE WARBLER WAY N?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 433 PINE WARBLER WAY N?+
The most recent tax bill on record (2025) was $6,410. 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 433 PINE WARBLER WAY N?+
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 $850,000, this home is listed about 118% above the Palm Harbor median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 433 PINE WARBLER WAY N?+
Palm Harbor Middle School (middle), Lake St. George Elementary School (elementary), Palm Harbor University High (high) — 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
$850,000 runs 113% above the PALM HARBOR 34683 median — but at 2,619 sqft it's also nearly twice the size of 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 63 — if it fits, move quickly.
04Strong assigned schools
Palm Harbor Middle School, Lake St. George Elementary School, Palm Harbor University High — Palm Harbor Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Linda Caruso. MLS #TB8559897.
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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