520 SANDY HOOK ROAD, PALM HARBOR, FL, 34683
Active76 days on marketListed May 8, 2026MLS #TB8506782
About this home
520 SANDY HOOK ROAD
Great new price! Great value! Located on an OVERSIZED LOT in a NON-FLOOD ZONE and move-in ready, this property is situated in WESTLAKE VILLAGE, one of PALM HARBOR’s most sought-after communities! Westlake Village is an established community known for its amenities and convenient location. This 3-bedroom, 2-bath home with a SPACIOUS 2-CAR GARAGE offers a comfortable layout with functional living space and Florida lifestyle appeal. Major updates include ROOF (2020), WINDOWS & DOORS (2019), WATER HEATER (2020), and POOL PUMP (2021), providing peace of mind for years to come. Inside, you’ll find a spacious layout, while the primary suite features an ENSUITE BATH and SLIDING DOORS leading directly to the lanai. The home also offers a LARGE ATTIC for additional storage. Step outside to a private backyard with a SCREENED-IN LANAI, POOL, and FULLY FENCED YARD designed for year-round enjoyment and entertaining. Residents of this community enjoy exceptional amenities including a community pool, clubhouse, scenic park, playground, and TENNIS, PICKLEBALL & VOLLEYBALL COURTS, along with WALKING TRAILS and a TRANQUIL LAKE—all within a GOLF CART-FRIENDLY NEIGHBORHOOD. This home is also ZONED FOR TOP-RATED SCHOOLS, including PALM HARBOR UNIVERSITY HIGH SCHOOL. This home is ideally situated in a community that offers direct access to the PINELLAS TRAIL from the neighborhood park, making it easy to enjoy biking, walking, and running. Just minutes from the Palm Harbor YMCA and the Palm Harbor Recreation Center, currently undergoing major renovations and improvements, residents can enjoy a wide variety of recreational programs, sports, fitness activities, and community events nearby. It is also approximately 5 miles from HONEYMOON ISLAND STATE PARK, where you can enjoy pristine Gulf beaches, nature trails, and breathtaking sunsets. About 14 miles away is CLEARWATER BEACH, renowned for its powdery sand and crystal-clear waters and approximately 22 miles to Tampa International Airport for easy travel. Enjoy the best of Palm Harbor living in a prime location within this sought-after community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,976
Sqft
0.27 ac
Lot size
2
Garage
1977
Year built
One
Levels
$288
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.
$3,915 /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
$3,915/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.
vs edgeAI estimate
+0.8%
Days on market
76 vs 42 typical
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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 520 SANDY HOOK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 520 SANDY HOOK ROAD — 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
520 SANDY HOOK ROAD FAQs
What would the monthly payment be for 520 SANDY HOOK ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,915/mo — principal and interest, the actual property-tax bill, the $71/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 520 SANDY HOOK ROAD?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 520 SANDY HOOK ROAD?+
The most recent tax bill on record (2025) was $4,738. 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 520 SANDY HOOK ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $570,000, this home is listed about 52% 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 520 SANDY HOOK ROAD?+
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
$570,000 runs 42% above the PALM HARBOR 34683 median — but at 1,976 sqft it's also 35% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $589,000, now $570,000 — a $19K cut. The full history is in the market section below.
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Denise Dorris. MLS #TB8506782.
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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