303 MORNINGSIDE DRIVE, PALM HARBOR, FL, 34683
Active179 days on marketListed Jan 25, 2026MLS #A4679780
About this home
303 MORNINGSIDE DRIVE
Rare chance to own a build-ready saltwater waterfront lot offering sailboat access just 2,000 feet from the Intracoastal Waterway. With no bridges to the Gulf, enjoy seamless access for cruising and offshore adventures. Golf enthusiasts will appreciate being just two short miles from the prestigious Innisbrook Golf Resort, home to world-famous championship courses. Spend your days teeing off or enjoy some of the finest snook and tarpon fishing anywhere — right from your dock or while cruising to local favorites like Honeymoon Island, Three Rooker Sandbar, and Caladesi Island.This prime location delivers the best of Florida living with A rated schools, nearby state parks and biking trails, and convenient access to culture and travel. You’re just two miles from the Leepa-Rattner Museum of Art and St. Petersburg College, minutes from the Pinellas Trail — a scenic 47-mile paved pathway from St. Petersburg to Tarpon Springs — and only 22 miles from Tampa International Airport.The former home has been professionally demolished, leaving a clean, cleared parcel ready for immediate construction. An existing dock with boat lift is already in place for instant waterfront enjoyment. Custom building plans are complete, and a local, reputable builder is prepared to begin construction immediately. Waterfront opportunities of this caliber are increasingly rare. Competitively priced and truly move-forward ready, this extraordinary lot won’t last long.
Facts & features
The home at a glance
0.16 ac
Lot size
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.
$4,579 /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
$4,579/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.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 303 MORNINGSIDE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 303 MORNINGSIDE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
303 MORNINGSIDE DRIVE FAQs
What would the monthly payment be for 303 MORNINGSIDE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,579/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 303 MORNINGSIDE DRIVE?+
The most recent tax bill on record (2024) was $11,552. 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 $599,000, this home is listed about 60% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 303 MORNINGSIDE DRIVE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), 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
$599,000 runs 50% above the PALM HARBOR 34683 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
179 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of LOKATION · Daniil Bryskin. MLS #A4679780.
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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