2661 CYPRUS DRIVE, PALM HARBOR, FL, 34684
Active115 days on marketListed Mar 31, 2026MLS #TB8490955
About this home
2661 CYPRUS DRIVE
Pre-Construction. To be built. Set on nearly 3 acres with over 300 feet of Lake Tarpon shoreline, this is a rare opportunity to bring a custom-designed waterfront estate to life. Tucked beyond private gates at the end of a quiet cul-de-sac, the privacy and lakefront setting are truly exceptional. The proposed home reflects a timeless coastal aesthetic, with a crisp white brick façade complemented by dark roofing and warm wood accents, creating a refined and inviting home. Front-facing gables add dimension and architectural character, while the arched entryway introduces a subtle softness that elevates the overall design. Windows invite natural light and reinforce the connection between the home and its waterfront setting. A side-entry garage preserves the integrity of the front elevation, while landscaping enhances the home. Inside, the first floor centers around a spacious great room that opens seamlessly to the outdoor living areas, creating a natural extension toward the water. A private owner’s suite offers a quiet retreat, while a dedicated office or optional bedroom adds flexibility. The expansive kitchen and main living areas are designed for effortless everyday living and elevated entertaining. Upstairs, additional bedrooms are paired with a spacious game room and flexible living space, ideal for guests or multigenerational living. The setting itself is what truly sets this property apart. From the moment you enter, the homesite opens to panoramic water views, mature trees, and the calm, private ambiance of Lake Tarpon. A 6,000 lb boat lift, open dock with electric and water, and direct access to one of the area’s most sought-after freshwater lakes allow for year-round boating, fishing, and recreation directly from your backyard. Opportunities that combine land, location, and a clear path to build are increasingly rare. This is not just a homesite, it’s a vision ready to be brought to life. Full home plans are available, while still allowing buyers the opportunity to personalize their selections. Exact build specifications to be determined between Buyer and Developer. All site visits must be scheduled in advance. Please do not enter the property without prior authorization.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,734
Sqft
2.89 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$664
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.
$14,948 /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
$14,948/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.
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.
$/sqft vs TAMPA & TARPON SPGS LAND CO
$664 vs $308
Days on market
115 vs 42 typical
Where $664/sqft sits among the 6 homes for sale in TAMPA & TARPON SPGS LAND CO
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 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)
1 of 6
TAMPA & TARPON SPGS LAND CO have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 912% 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 · Jun ’26$1,050,000
1130 ANCLOTE RD · same community
4 bd · 4.5 ba · 3,797 sqft · $277/sqft · 72 DOM
Sold · Nov ’25$2,400,000
1101 ANCLOTE BOULEVARD · same community
4 bd · 4.5 ba · 3,900 sqft · $615/sqft · 253 DOM
Sold · Jun ’26$555,000
455 PASAJE AVENUE · same community
4 bd · 3 ba · 2,310 sqft · $240/sqft · 89 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 $14,948/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 (2025) was $5,783. 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 $2,479,000, this home is listed about 561% 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
Four things that matter here
01Positioned at the premium end
$2,479,000 runs 912% above the PALM HARBOR 34684 median — but at 3,734 sqft it's also nearly 3 times the size of the typical Palm Harbor listing.
02Time on market is leverage
115 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $2,670,000, now $2,479,000 — a $191K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN LIFE REALTY · Kelsi Ward. MLS #TB8490955.
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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