1115 PENNSYLVANIA AVENUE, PALM HARBOR, FL, 34683
Active143 days on marketListed Mar 18, 2026MLS #TB8485470
About this home
1115 PENNSYLVANIA AVENUE
Situated on a one-of-a-kind 0.40-acre corner lot (137 x 125) in highly desirable downtown Palm Harbor, this property offers exceptional potential for investors, builders, or buyers looking to create their dream home. The double lot may have the possibility to be subdivided into two buildable lots (buyer to verify with the county), making it an outstanding development or investment opportunity. This property also features a fully renovated 2026 cabana complete with a kitchen and full bathroom, providing a functional and stylish space that could serve as a guest suite, entertaining area, or temporary living quarters during construction or renovation. Multiple outbuildings offer ample flexibility for storage, workshops, hobby spaces, or additional storage for your auto/boat/recreational vehicles, while the entire property is securely fenced and walled, providing privacy and versatility for a variety of uses. The existing home is ready for a complete renovation or tear-down, giving the next owner the opportunity to design and build exactly what they envision while building equity in one of the area’s most sought-after neighborhoods. Location is everything, and this property delivers. This prime downtown Palm Harbor location is within walking distance to restaurants, bars, and local shops, and just minutes from the Pinellas Trail, Palm Harbor University High School, Crystal Beach, Delightful Downtown Dunedin, and the pristine white sands of Honeymoon Island. Located in a golf-cart-friendly community full of activities, this property is NOT DEED RESTRICTED and is in Flood Zone X adding even more value and peace of mind. Whether you’re looking for your next investment, development opportunity, renovation project, or a place to customize and call home, this unique property offers endless possibilities in one of Palm Harbor’s most desirable areas.
Facts & features
The home at a glance
0.39 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.
$3,548 /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
$3,548/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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 1115 PENNSYLVANIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$234,900
1341 NEW YORK AVENUE · same community
2 bd · 1 ba · 920 sqft · $255/sqft · 0 DOM
Sold · Oct ’25$205,000
1215 NEW YORK AVENUE · same community
2 bd · 1 ba · 992 sqft · $207/sqft · 2 DOM
Sold · Jun ’26$130,000
1604 OMAHA STREET · same community
2 bd · 2 ba · 1,056 sqft · $123/sqft · 27 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 1115 PENNSYLVANIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1115 PENNSYLVANIA 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
1115 PENNSYLVANIA AVENUE FAQs
What would the monthly payment be for 1115 PENNSYLVANIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,548/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 1115 PENNSYLVANIA AVENUE?+
The most recent tax bill on record (2025) was $2,686. 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 $500,000, this home is listed about 32% above the Palm Harbor median of $379,945. The market section on this page shows how the area is trending.
Which schools are assigned to 1115 PENNSYLVANIA AVENUE?+
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
01Positioned at the premium end
$500,000 runs 27% above the PALM HARBOR 34683 median.
02Time on market is leverage
143 days on market against a Palm Harbor median of 47 — 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 $599,900, now $500,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Linda Caruso. MLS #TB8485470.
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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