105 SCHOONER DRIVE UNIT 105, PALM HARBOR, FL, 34683
Active484 days on marketListed Apr 5, 2025MLS #TB8370886
About this home
105 SCHOONER DRIVE UNIT 105
ONE LOT - Beautiful waterfront lot in highly sought after Crystal Bay community - come make your home and begin enjoying all this community has to offer - PLUS beautiful sunsets nightly are free!
Facts & features
The home at a glance
0 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 and the real association fee — not generic estimates.
$1,599 /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
$1,599/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.
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 59% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 105 SCHOONER DRIVE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$205,000
432 TAMPA ROAD
2 bd · 1 ba · 824 sqft · $249/sqft · 29 DOM
Sold · Oct ’25$400,000
311 DEMPSEY ROAD
2 bd · 1 ba · 852 sqft · $469/sqft · 2 DOM
Sold · Nov ’25$362,000
344 BAY STREET
2 bd · 1 ba · 910 sqft · $398/sqft · 3 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 105 SCHOONER DRIVE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 105 SCHOONER DRIVE UNIT 105 — 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
105 SCHOONER DRIVE UNIT 105 FAQs
What would the monthly payment be for 105 SCHOONER DRIVE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,599/mo — principal and interest, the actual property-tax bill, the $200/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 105 SCHOONER DRIVE UNIT 105?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 105 SCHOONER DRIVE UNIT 105?+
The most recent tax bill on record (2024) was $1,968. 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 105 SCHOONER DRIVE UNIT 105?+
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 $169,900, this home is listed about 55% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 105 SCHOONER DRIVE UNIT 105?+
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
Five things that matter here
01Under the PALM HARBOR 34683 market on paper
$169,900 is 59% below the PALM HARBOR 34683 median of $415,000.
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
484 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.
05The price has already moved
Listed at $199,900, now $169,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Michelle Johncola. MLS #TB8370886.
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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