CENTURY 21 Edge
$850,0005 bd4 ba3,141 sqft$271 /sqft≈$6,818 /mo all-in ↓

1496 TREETOP DRIVE, PALM HARBOR, FL, 34683

Active2 days on marketListed Oct 23, 2026MLS #TB8560800

Private poolSingle Family ResidenceINDIAN TRAILS ADD

About this home

1496 TREETOP DRIVE

Discover an AMAZING truly one-of-a-kind home in the highly desirable Indian Trails community of Palm Harbor. Set on a large lot in the corner of a cul-de-sac lot, this 5 bedroom, 4 bath, 3 car garage, two-story pool home stands out with its clean, crisp finishes, thoughtful design details, and unique features throughout. Soaring ceilings and dramatic floor-to-ceiling windows fill the home with natural light, creating an open, bright atmosphere that highlights the distinctive character of each space. The first floor features new Coretec luxury vinyl plank flooring and a split-bedroom layout with a living and dining room combination at the front of the home and an open kitchen and family room at the back. Two guest bedrooms and two full bathrooms are also conveniently located on the main level. Adding warmth and character, both the living room and family room feature fireplaces framed by decorative stonework and distinctive mantels. The living room invites you in to sit and cozy up with a glass of wine and relax or enjoy a lovely evening with friends and family. The dining room just off the living room has its own private BUTLERS PANTRY/ Every home should have one of these! You will use it all the time. The updated kitchen blends clean lines with thoughtful details, featuring long white quartz countertops, abundant cabinetry with soft-close doors and drawers, a center island, and stainless steel appliances updated in 2023. An induction cooktop, reverse osmosis alkaline pH water system, and cozy breakfast nook add everyday convenience, while the lovely butler’s pantry provides extra storage and serving space for entertaining and holiday gatherings. Enjoy views of the pool and lanai while preparing meals or gathering with family and friends. Overlooking the main living area, the second floor offers two additional guest bedrooms, a full guest bathroom, and an expansive primary suite designed with its own distinctive style. High ceilings accented by a wood design element, and hurricane-grade windows and sliding glass doors overlooking the backyard create a comfortable retreat. The updated en-suite bathroom features dual separate vanities, a soaking tub, a separate shower, and a walk-in closet. Sliding glass doors from the family room open to a spacious, screen-enclosed outdoor living area with a large saltwater pool and covered lanai. The well-maintained backyard offers room to relax and enjoy Florida living, complemented by new vinyl fencing installed in 2023 and fresh exterior paint completed in 2026. A/C 2019, Electric Sub Panel 2023, Entire Exterior Painting 2026, Salt Water Pool Conversion 2023 and more. With its distinctive architecture, thoughtful updates, and inviting indoor-outdoor living spaces, this exceptional home offers a style all its own in a sought-after Palm Harbor community. Enjoy convenient access to the Pinellas Trail, Honeymoon Island, Gulf beaches, and the nearby downtown district with its variety of restaurants, shopping, and entertainment. Come experience the unique details and inviting spaces that make this Indian Trails home truly one of a kind!

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,141

Sqft

0.39 ac

Lot size

3

Garage

1982

Year built

Two

Levels

$271

Per sqft

Private poolFireplacePets allowed

Inside

FlooringLuxury Vinyl
AppliancesCooktop · Dishwasher · Disposal · Kitchen Reverse Osmosis System · Microwave · Range Hood
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Brick · Stucco
FoundationSlab
FacesNorthwest
ParkingDriveway · Guest · Off Street · Split Garage
ExteriorLighting · Private Entrance · Private Mailbox · Private Yard · Sidewalk · Sliding Doors

Community & fees

HOA fee$22/mo
Taxes (2025)$11,616/yr
PetsYes

Utilities & systems

UtilitiesPublic
WaterPublic

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.

$6,818 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$5,349
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$968
HOA fee — from the listing$22
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,000Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,000
Interest rate7.50%
Loan term

Estimated payment

$6,818/mo

Principal & interest$5,349
PMI (est., until 20% equity)$319
Property taxes (actual bill)$968
HOA / condo fee$22
Est. insurance$160

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.

List $850K
$725KedgeAI estimate $778,411 · range $755K–$806K$884K

vs edgeAI estimate

+9.2%

$/sqft vs Palm Harbor actives

$271 vs $264

Days on market

2 vs 63 typical

Where $271/sqft sits among the 400 Palm Harbor actives

72
92
87 · this home
81
34
34
$155–199$199–243$243–287$287–331$331–376$376+

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 Indian Trails

Drive times from this address

Tampa Int’l Airport (TPA)≈ 37 min
Downtown Tampa≈ 40 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Indian Trails — neighborhood snapshot

Population

1,101

Median age

47

Median income

$126,422

Median home value

$474,000

Avg household

3

Households w/ children

126

For the school run

Pinellas County School District

HighPalm Harbor University High★★★★★
ElementarySutherland Elementary School★★★★★
MiddlePalm Harbor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller — 3.7 months of inventoryBuyer’s market

$420K → $440K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

224 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

Oct 23, 2026Listed at $850,000 · 2 days on market since
1982Built · INDIAN TRAILS ADD

Reality check

What actually sold near 1496 TREETOP DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1378 ROLLING RIDGE ROADSold · Dec ’25

$660,000

1378 ROLLING RIDGE ROAD · same community

3 bd · 2 ba · 2,286 sqft · $289/sqft · 25 DOM

2383 INDIAN TRAIL ESold · Nov ’25

$560,000

2383 INDIAN TRAIL E · same community

3 bd · 2 ba · 2,083 sqft · $269/sqft · 23 DOM

6335 TOCOBEGA COURTSold · Aug ’26

$379,000

6335 TOCOBEGA COURT · same community

3 bd · 2 ba · 1,602 sqft · $237/sqft · 23 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 1496 TREETOP DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1496 TREETOP DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1496 TREETOP DRIVE FAQs

What would the monthly payment be for 1496 TREETOP DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,818/mo — principal and interest, the actual property-tax bill, the $22/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 1496 TREETOP DRIVE?+

The association fee works out to $22 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1496 TREETOP DRIVE?+

The most recent tax bill on record (2025) was $11,616. 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 1496 TREETOP 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 $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 1496 TREETOP DRIVE?+

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

$850,000 runs 113% above the PALM HARBOR 34683 median — but at 3,141 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 University High, Sutherland Elementary School, Palm Harbor Middle School — Palm Harbor University High rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Pamela Bass. MLS #TB8560800.

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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