
1496 TREETOP DRIVE, PALM HARBOR, FL, 34683
Active2 days on marketListed Oct 23, 2026MLS #TB8560800
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
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.
$6,818 /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
$6,818/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
+9.2%
$/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
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
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
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)
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
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.
Sold · Dec ’25$660,000
1378 ROLLING RIDGE ROAD · same community
3 bd · 2 ba · 2,286 sqft · $289/sqft · 25 DOM
Sold · Nov ’25$560,000
2383 INDIAN TRAIL E · same community
3 bd · 2 ba · 2,083 sqft · $269/sqft · 23 DOM
Sold · 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.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 1496 TREETOP DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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