127 INDEPENDENCE AVENUE, PALM HARBOR, FL, 34684
Active156 days on marketListed Mar 4, 2026MLS #TB8479762
About this home
127 INDEPENDENCE AVENUE
Welcome to 127 Independence Ave in Lake Tarpon Mobile Home Village, a highly desirable 55+ golf cart–friendly community in Palm Harbor, Florida, where you own the land with no lot rent and enjoy a vibrant waterfront lifestyle on beautiful Lake Tarpon. This well maintained, fully furnished 2-bedroom, 2-bath manufactured home is move-in ready and located in a non-flood zone, offering peace of mind along with valuable updates including a 2021 HVAC system, 2022 30-gallon water heater. Durable metal roof, and energy-efficient double-pane windows. Inside, the bright and inviting layout features spacious living areas, comfortable bedrooms, and an air-conditioned Florida room that provides additional year-round living space, perfect for relaxing, entertaining, or enjoying the Florida lifestyle. The primary bathroom was upgraded in 2023 with a new walk-in shower featuring a built-in seat, glass door, and new valve, along with new primary bath flooring, while the hall bathroom also features updated flooring. Outdoor features include a 2024 extended driveway and carport providing generous parking space, along with a large storage shed with new double doors installed 2022. The shed also houses the full-size washer and dryer along with a beverage refrigerator installed in 2022, creating a convenient space for laundry, storage, and hobbies. A 22-foot telescoping flagpole installed in 2025 adds a charming touch, while the well irrigation system helps keep landscaping lush year-round. Residents of Lake Tarpon Mobile Home Village enjoy an active and social lifestyle with amenities including a heated community pool, shuffleboard courts, an active clubhouse with regular events, a community dock and boat ramp on Lake Tarpon, and storage areas for RV or boat parking, all for just $110 per month in HOA fees. For anglers, this location is exceptional. Lake Tarpon is one of Florida’s premier freshwater fishing lakes and is nationally known for its trophy largemouth bass, regularly hosting regional bass fishing tournaments that attract anglers from across the state. Imagine launching your boat just steps from home and fishing one of the best bass lakes in Florida, or enjoying boating, kayaking, and sunset cruising directly from your community. Ideally located in Palm Harbor, the home is just minutes from Tarpon Springs Sponge Docks, Innisbrook Golf Resort and the Copperhead Championship Golf Course, Honeymoon Island State Park, Fred Howard Park Beach, Downtown Palm Harbor, with convenient access to shopping, dining, medical facilities, and Tampa International Airport (TPA) and Clearwater International Airport (PIE). This is a rare opportunity to enjoy affordable, low-maintenance Florida living with land ownership in a premier Lake Tarpon community known for its recreation, fishing, and relaxed lake living lifestyle. Call today for your private showing.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0.14 ac
Lot size
1968
Year built
One
Levels
$198
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.
$1,695 /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
$1,695/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
+39.1%
$/sqft vs LAKE TARPON MOBILE HOME VILLAGE
$198 vs $198
Days on market
156 vs 47 typical
Where $198/sqft sits among the 18 homes for sale in LAKE TARPON MOBILE HOME VILLAGE
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 Lake Tarpon Mobile Home Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Tarpon Mobile Home Village — neighborhood snapshot
Population
681
Median age
65
Median income
$69,118
Median home value
$169,600
Avg household
2
Households w/ children
48%
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)
8 of 18
LAKE TARPON MOBILE HOME VILLAGE have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 127 INDEPENDENCE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$150,000
51 LEXINGTON COURT UNIT 13 · same community
2 bd · 2 ba · 984 sqft · $152/sqft · 310 DOM
Sold · Apr ’26$140,000
47 DELAWARE COURT UNIT 10 · same community
2 bd · 2 ba · 1,008 sqft · $139/sqft · 176 DOM
Sold · Jan ’26$192,000
225 LAKE TARPON DRIVE UNIT 22 · same community
2 bd · 2 ba · 1,096 sqft · $175/sqft · 92 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 127 INDEPENDENCE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 127 INDEPENDENCE AVENUE — 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
127 INDEPENDENCE AVENUE FAQs
What would the monthly payment be for 127 INDEPENDENCE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,695/mo — principal and interest, the actual property-tax bill, the $107/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 127 INDEPENDENCE AVENUE?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 127 INDEPENDENCE AVENUE?+
The most recent tax bill on record (2025) was $2,718. 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 127 INDEPENDENCE AVENUE?+
The listing reports pets: No. 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 $189,900, this home is listed about 50% below the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 127 INDEPENDENCE AVENUE?+
Highland Lakes 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
Four things that matter here
01Under the PALM HARBOR 34684 market on paper
$189,900 is 24% below the PALM HARBOR 34684 median of $250,000, and at $198/sqft it sits under the Palm Harbor average of $272.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
156 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,900, now $189,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY · Kathie Lea. MLS #TB8479762.
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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