815 FLORIDA AVENUE, PALM HARBOR, FL, 34683
Active126 days on marketListed Mar 29, 2026MLS #TB8491354
About this home
815 FLORIDA AVENUE
PRICE REDUCTION - OWNER MOTIVATED - Nestled just minutes from the waterfront and the charming downtown district of Palm Harbor, this unique property offers exceptional flexibility, privacy, and endless possibilities. The main living area, located on the upper level, is warm and inviting, featuring 3 bedrooms, 2 bathrooms, and an open-concept kitchen, dining, and living space designed for comfortable everyday living and effortless entertaining. The private lower level functions as a fully equipped in-law suite with its own entrance, offering a spacious bedroom, full kitchen, dining area, and an additional bonus room with bunk accommodations. Whether you're hosting extended family, welcoming long-term guests, providing separate living space for a loved one, or exploring income-producing opportunities, this separate living area offers outstanding versatility. Outside, escape to your own backyard retreat featuring a sparkling saltwater pool, a fully fenced yard for added privacy, a garage, and covered parking. Located close to marinas, parks, restaurants, shopping, and everything Palm Harbor provides, this property is an exceptional opportunity for buyers seeking a home that adapts to their lifestyle. Whether you're searching for a primary residence, multigenerational living, a seasonal getaway, or an investment with built-in flexibility, this one-of-a-kind property is ready to welcome you home.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
1,330
Sqft
0.16 ac
Lot size
4
Garage
1990
Year built
Two
Levels
$523
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.
$5,084 /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
$5,084/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 Palm Harbor actives
$523 vs $259
Days on market
126 vs 42 typical
Where $523/sqft sits among the 400 Palm Harbor actives
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
202 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% 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 815 FLORIDA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$315,000
553 JEFFERSON STREET · same community
2 bd · 2 ba · 1,296 sqft · $243/sqft · 112 DOM
Sold · Aug ’25$420,000
807 ILLINOIS AVENUE · same community
2 bd · 2 ba · 1,272 sqft · $330/sqft · 69 DOM
Sold · Oct ’25$525,000
832 FLORIDA AVENUE · same community
4 bd · 2 ba · 1,253 sqft · $419/sqft · 8 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 815 FLORIDA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 815 FLORIDA 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
815 FLORIDA AVENUE FAQs
What would the monthly payment be for 815 FLORIDA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,084/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 815 FLORIDA AVENUE?+
The most recent tax bill on record (2025) was $10,894. 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 $696,000, this home is listed about 86% 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 815 FLORIDA 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
Five things that matter here
01Positioned at the premium end
$696,000 runs 68% above the PALM HARBOR 34683 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
126 days on market against a Palm Harbor median of 42 — 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 $698,000, now $696,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Diane Blake. MLS #TB8491354.
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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