455 ALT 19 S UNIT 42 & 46, PALM HARBOR, FL, 34683
Active171 days on marketListed Feb 15, 2026MLS #TB8468572
About this home
455 ALT 19 S UNIT 42 & 46
Looking for a 2-bed, 2-bath condo under $250k in Palm Harbor with investment potential and access to top local attractions? This rare multi-unit opportunity at Harbor Club gives you the entire floor to yourself two units for one price, totaling 1,410 sq ft of flexible living space. Whether you're looking to live in one and rent the other, create a private guest suite, or enjoy a spacious setup for multi-generational living, this one checks all the boxes. The updated kitchen and newer AC make it move-in ready, while the pet-friendly community offers unbeatable amenities: two swimming pools, a hot tub, tennis, pickleball, and basketball courts, plus picnic areas and walking paths. You're just one block from Honeymoon Island and the Dunedin Causeway, steps to the 47-mile Pinellas Trail, and minutes to downtown Palm Harbor, Dunedin, and Tarpon Springs. HOA covers water, sewer, trash, and exterior upkeep making life here both convenient and low-maintenance. If you’ve been searching for a condo near the beach with great amenities, pet-friendly vibes, and rental flexibility under $250k, this one’s a standout.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,410
Sqft
0 ac
Lot size
1985
Year built
Two
Levels
$142
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 and the real association fee — not generic estimates.
$2,635 /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
$2,635/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
−52.3%
$/sqft vs HARBOR CLUB CONDO
$142 vs $196
Days on market
171 vs 48 typical
Where $142/sqft sits among the 8 homes for sale in HARBOR CLUB CONDO
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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
3 of 8
HARBOR CLUB CONDO have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% 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 455 ALT 19 S UNIT 42 & 46
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$200,000
455 PALM HARBOR BOULEVARD S UNIT 164 · same community
3 bd · 2 ba · 1,128 sqft · $177/sqft · 58 DOM
Sold · Sep ’25$154,000
455 ALT 19 HIGHWAY S UNIT 81 · same community
2 bd · 2 ba · 898 sqft · $171/sqft · 143 DOM
Sold · Dec ’25$143,000
455 ALT 19 S UNIT 268 · same community
2 bd · 2 ba · 898 sqft · $159/sqft · 274 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 455 ALT 19 S UNIT 42 & 46 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 455 ALT 19 S UNIT 42 & 46 — 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
455 ALT 19 S UNIT 42 & 46 FAQs
What would the monthly payment be for 455 ALT 19 S UNIT 42 & 46?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,635/mo — principal and interest, the actual property-tax bill, the $888/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 455 ALT 19 S UNIT 42 & 46?+
The association fee works out to $888 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 455 ALT 19 S UNIT 42 & 46?+
The most recent tax bill on record (2024) was $3,857. 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 455 ALT 19 S UNIT 42 & 46?+
The listing reports pets: Breed Restrictions, Size Limit. 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 $200,000, this home is listed about 47% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 455 ALT 19 S UNIT 42 & 46?+
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
$200,000 is 50% below the PALM HARBOR 34683 median of $400,000, and at $142/sqft it sits under the Palm Harbor average of $273.
02Know the monthly fee
The association fee is $888/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
171 days on market against a Palm Harbor median of 48 — 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 $245,000, now $200,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jasmin Gonzalez. MLS #TB8468572.
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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