
2661 CYPRUS DRIVE, PALM HARBOR, FL, 34684
Active209 days on marketListed Dec 27, 2025MLS #TB8458877
About this home
2661 CYPRUS DRIVE
Extraordinary lakefront opportunity in Palm Harbor. Tucked beyond private gates at the end of a quiet cul de sac, 2661 Cyprus Drive offers nearly 3 acres of pristine, build ready land and preserve, creating a level of privacy and separation that cannot be replicated, not to mention an unmatched 300+ feet of unobstructed shoreline on Lake Tarpon, the area’s largest freshwater lake. From the moment you enter, the property opens to panoramic water views, mature trees, and the serene ambiance of lakeside living. Enjoy effortless boating access with a 6,000 lb Deco lift, open dock with electric and water. Not to mention endless recreation right from your backyard, including freshwater fishing, water skiing, and boating. This rare parcel combines natural beauty with true usability, an expansive, level canvas ideal for a custom waterfront home. The lot includes a recent Survey and Geotechnical Report, further streamlining construction. Cattail removal has already been completed. The permit will convey with the property and remains valid for three years, easing future improvements and usability. Located in unincorporated Palm Harbor, the property offers exceptional flexibility and convenient access to top rated Palm Harbor schools, Honeymoon Island, Downtown Dunedin, and Downtown Tarpon Springs, while maintaining the feel of a private lakeside retreat. The homesite itself is already established and positioned to maximize views, usability, and long-term value, removing the guesswork typically associated with raw land. This canvas is where your long imagined vision comes to life. All showings and visits must be scheduled in advance. Please do not enter the property without prior authorization.
Facts & features
The home at a glance
2.89 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.
$6,511 /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
$6,511/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 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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 304% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2661 CYPRUS DRIVE
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$699,000
632 S FLORIDA AVENUE · same community
4 bd · 2 ba · 1,829 sqft · $382/sqft · 148 DOM
Sold · Jun ’26$555,000
455 PASAJE AVENUE · same community
4 bd · 3 ba · 2,310 sqft · $240/sqft · 89 DOM
Sold · Jun ’26$1,050,000
1130 ANCLOTE RD · same community
4 bd · 4.5 ba · 3,797 sqft · $277/sqft · 72 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 2661 CYPRUS DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2661 CYPRUS 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
2661 CYPRUS DRIVE FAQs
What would the monthly payment be for 2661 CYPRUS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,511/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 2661 CYPRUS DRIVE?+
The most recent tax bill on record (2024) was $7,025. 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 $999,000, this home is listed about 166% 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 2661 CYPRUS DRIVE?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$999,000 runs 304% above the PALM HARBOR 34684 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
209 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,390,000, now $999,000 — a $391K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN LIFE REALTY · Kelsi Ward. MLS #TB8458877.
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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