1109 BELCHER ROAD, PALM HARBOR, FL, 34683
Active701 days on marketListed Aug 25, 2024MLS #T3551452
About this home
1109 BELCHER ROAD
Property is located in unincorporated Pinellas County, current zoning allows certain business uses. Historical property right near the heart of downtown Palm Harbor. This home is on a 1 acre MOL lot. The 3,196 sqft residence offers a perfect setting for both residential and commercial use. As you arrive you will see a wrap-around porch in the front, there are hooks ready for porch swings to be placed. When you step inside you will notice the layout has optimal use for however you chose to use the space - office, play rooms, living room, gym etc. The primary bedroom on the first floor has french doors to enter, through those doors is a large space aside from the bedroom that can be used as an extra space for an office, storage, etc. With a full private bathroom attached. The kitchen has recent updates and offers seamless access to the large deck in the backyard that is perfect for any outdoor activities such as relaxation, gatherings, bon fires, gardening etc. Attached to the kitchen is the laundry room leading into bathroom for easy access from the backyard and kitchen. Spacious formal dining area between the kitchen and living room. Upstairs, you’ll find three spacious bedrooms, each providing lots of comfort for family and guests. Whether you envision it as your forever home or a unique commercial space, this property stands out with its versatile layout and prime location. Large 1 acre lot offers plenty of room for expansion and growth. Plenty of room for parking, a pool, multi-car garage, etc. Roof was replaced 7/2016 with peel & stick underlayment.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,196
Sqft
1.02 ac
Lot size
1905
Year built
Two
Levels
$250
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.
$5,477 /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
$5,477/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.
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.
$/sqft vs Palm Harbor actives
$250 vs $259
Days on market
701 vs 42 typical
Where $250/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)
211 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 100% 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 1109 BELCHER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$648,500
1328 MICHIGAN AVENUE · same community
3 bd · 2.5 ba · 2,207 sqft · $294/sqft · 59 DOM
Sold · Jul ’26$740,000
1131 VIRGINIA AVENUE · same community
3 bd · 2 ba · 2,136 sqft · $346/sqft · 6 DOM
Sold · Mar ’26$580,000
1021 15TH STREET · same community
4 bd · 3 ba · 2,086 sqft · $278/sqft · 49 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 1109 BELCHER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 BELCHER ROAD — 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
1109 BELCHER ROAD FAQs
What would the monthly payment be for 1109 BELCHER ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,477/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 1109 BELCHER ROAD?+
The most recent tax bill on record (2023) was $8,474. 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 $799,000, this home is listed about 113% 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 1109 BELCHER ROAD?+
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
$799,000 runs 100% above the PALM HARBOR 34683 median — but at 3,196 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Time on market is leverage
701 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
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 $1,100,000, now $799,000 — a $301K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ABI ROAD REALTY LLC · Darleen DePoalo. MLS #T3551452.
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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