455 ALT 19 S UNIT 163, PALM HARBOR, FL, 34683
Active144 days on marketListed Mar 12, 2026MLS #TB8479817
About this home
455 ALT 19 S UNIT 163
Welcome to Harbor Club Condominiums, one of Palm Harbor’s best kept secrets, where resort style living meets everyday convenience at an affordable price. This move-in ready 3 bedroom, 2 bathroom condo offers over 1,100 square feet of bright, inviting living from the moment you step inside. Laminate wood flooring runs throughout the home, creating a warm and cohesive feel. The kitchen features newer stainless steel appliances and brand new refrigerator and is conveniently located next to the interior laundry room. Just off the kitchen, the dining area flows into the spacious living room with built-in features creating an open and comfortable space for everyday living and gathering. The owner’s suite features a walk in closet and a private ensuite bathroom. Two additional bedrooms are located on the opposite side of the home and share a full bathroom, with all bedrooms offering generous space and walk-in closets for ample storage. Step outside onto your private balcony to enjoy the Florida sunshine, with an additional storage closet providing convenient space for your extras. A brand new A/C unit installed in March 2025 and electric panel March 2026 and a newer water heater adds peace of mind for years to come. Life at Harbor Club is all about enjoying the Florida lifestyle. Residents have access to two swimming pools, a hot tub, tennis and pickleball courts, basketball courts, grills, picnic areas, and an on-site community manager. The community also features a dedicated dog walking area, kayak storage rentals, and gathering spaces with a fire pit and gazebo. The monthly HOA fee includes water, sewer, trash, escrow reserves, insurance, common area taxes, and exterior building maintenance, making this a low maintenance and attractive option in a prime location. Outdoor enthusiasts will especially appreciate the direct access to the Pinellas Trail just outside the community entrance. Ideally located in the heart of Palm Harbor, this home places you just minutes from Downtown Dunedin, the Dunedin Causeway, historic Tarpon Springs, and the charming shops and restaurants of Ozona and Downtown Palm Harbor. World renowned Honeymoon Island and Caladesi Island State Parks are also just a short drive away for days spent enjoying the Gulf. For added convenience, the Jolly Trolley stops just outside the community and offers easy access to Clearwater Beach and other local attractions. This is an incredible opportunity to enjoy Florida living in a vibrant and well loved Palm Harbor community. Don’t miss your chance to make it yours.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,128
Sqft
0 ac
Lot size
1985
Year built
One
Levels
$177
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.
$1,632 /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
$1,632/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
+4.4%
$/sqft vs HARBOR CLUB CONDO
$177 vs $196
Days on market
144 vs 46 typical
Where $177/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 163
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 163 — 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 163 — 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 163 FAQs
What would the monthly payment be for 455 ALT 19 S UNIT 163?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,632/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 455 ALT 19 S UNIT 163?+
The most recent tax bill on record (2025) was $2,477. 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 163?+
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 $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 163?+
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
01Under the PALM HARBOR 34683 market on paper
$200,000 is 50% below the PALM HARBOR 34683 median of $400,000, and at $177/sqft it sits under the Palm Harbor average of $272.
02Time on market is leverage
144 days on market against a Palm Harbor median of 46 — 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 $215,000, now $200,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Mimi DeSetto. MLS #TB8479817.
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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