209 15TH STREET, PALM HARBOR, FL, 34683
Active22 days on marketListed Jul 6, 2026MLS #O6422541
About this home
209 15TH STREET
Discover this beautiful 3-bedroom, 2-bath pool home in highly desirable Palm Harbor, offering the perfect blend of comfort, style, and true Florida living. Step inside to a welcoming layout anchored by a well-appointed kitchen featuring a convenient breakfast bar, ideal for casual dining and entertaining. The primary bedroom offers a spacious retreat with a large walk-in closet, while the indoor laundry room with a utility sink adds everyday convenience. Enjoy year-round outdoor living in the screened-in lanai, overlooking your inground pool—perfect for relaxing, hosting gatherings, or soaking up the Florida sunshine. All of this and just minutes from Palm Harbor’s schools, downtown Palm Harbor, Honeymoon Island, and the Pinellas Trail, placing recreation, dining, and coastal beauty right at your fingertips. Homes offering this level of location, lifestyle, and amenities don’t last long. Make your move before this Palm Harbor gem slips away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,411
Sqft
0.29 ac
Lot size
2
Garage
1976
Year built
One
Levels
$224
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.
$4,189 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,189/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−16.8%
$/sqft vs Palm Harbor actives
$224 vs $258
Days on market
22 vs 42 typical
Where $224/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 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)
213 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 35% 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 209 15TH STREET
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$828,000
1796 PAINTED BUNTING CIRCLE
4 bd · 3 ba · 2,358 sqft · $351/sqft · 4 DOM
Sold · Oct ’25$790,000
2724 CHALLENGER DRIVE
4 bd · 2 ba · 2,466 sqft · $320/sqft · 6 DOM
Sold · Sep ’25$845,000
2725 ONIZUKA COURT
4 bd · 2.5 ba · 2,501 sqft · $338/sqft · 4 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 209 15TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 209 15TH STREET — 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
209 15TH STREET FAQs
What would the monthly payment be for 209 15TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,189/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 209 15TH STREET?+
The most recent tax bill on record (2025) was $7,336. 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 209 15TH STREET?+
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 $540,000, this home is listed about 44% 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 209 15TH STREET?+
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
$540,000 runs 35% above the PALM HARBOR 34683 median — but at 2,411 sqft it's also 65% larger than 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.
03Strong 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.
04The price has already moved
Listed at $555,000, now $540,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Jeff Jones. MLS #O6422541.
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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