
16 CITRUS DRIVE, PALM HARBOR, FL, 34684
Active48 days on marketListed Jun 6, 2026MLS #TB8516471
About this home
16 CITRUS DRIVE
Waterfront freedom with no HOA! Welcome to this beautifully updated, move-in-ready three-bedroom, two-bathroom, ranch home in the highly sought-after Lake Shore Estates community. Perfectly situated on a deep-water freshwater canal leading directly out to 2,500-acre Lake Tarpon, this property offers the ultimate Florida lifestyle with absolute freedom. Because there are no restrictive rules and no high monthly fees, you have plenty of space to park your boat trailer, RV, or golf cart right at home. The west-facing front entry gives the home beautiful evening curb appeal, while the backyard faces east to provide shaded, cooler afternoons by the water. Step out back to enjoy sixty feet of prime water frontage located on one of the deepest canals on the lake, which is perfect for keeping your boat hull safe during any season. The turnkey dock setup includes a fixed wooden dock ready for your boat, a floating drive-on jet ski dock, and a built-in fish-cleaning station with a sink. The backyard is fully fenced with low-maintenance pavers and a covered patio, creating the perfect space for outdoor entertaining. As an added bonus, the lawn irrigation system pulls water directly from the canal to keep your grass green while saving you money on utility bills. Inside, the open-concept floor plan impresses with soaring cathedral ceilings, eight-inch baseboards, and a massive family and dining room combination featuring custom built-in shelving. The fully remodeled kitchen is open to the main living area and features bright quartz countertops, a spacious peninsula island with bar seating, stainless steel appliances, forty-two-inch cabinets, and a large skylight that floods the space with natural light. Three separate sets of elegant French doors provide a seamless transition from the living spaces straight out to the covered paved patio. The smart split-bedroom layout offers maximum privacy. The oversized primary suite sits entirely on its own side of the house, complete with a walk-in closet and a beautifully updated ensuite bathroom. On the opposite side of the home, two additional large bedrooms with crown molding share a second renovated bathroom. For ultimate convenience, a dedicated inside laundry room leads out to a rare, massive three-car garage. A whole-home water softener is also included. The location offers the perfect blend of recreation and convenience. You are located directly across from the world-famous Innisbrook Golf Resort, home to the PGA Tour’s Copperhead Course, in a highly golf-cart-friendly neighborhood. While you enjoy peace and quiet on the water, you are only minutes away from grocery stores, local dining, and excellent shopping. When you want to hit the saltwater, the white sands of Fred Howard Park, Sunset Beach, and Honeymoon Island are just a short drive away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,642
Sqft
0.15 ac
Lot size
3
Garage
1988
Year built
One
Levels
$305
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.
$3,959 /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
$3,959/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
+8.7%
$/sqft vs Palm Harbor actives
$305 vs $258
Days on market
48 vs 42 typical
Where $305/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 Lake Shore
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Shore — neighborhood snapshot
Population
811
Median age
62
Median income
$78,149
Median home value
$311,987
Avg household
2
Households w/ children
53%
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)
207 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 104% 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 16 CITRUS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$515,000
36 CITRUS DRIVE · same community
3 bd · 2 ba · 1,550 sqft · $332/sqft · 23 DOM
Sold · May ’26$562,500
2333 CITRUS HILL ROAD
3 bd · 2 ba · 1,665 sqft · $338/sqft · 1 DOM
Sold · Jun ’26$560,000
2333 CITRUS HILL ROAD
3 bd · 2 ba · 1,665 sqft · $336/sqft · 2 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 16 CITRUS DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 CITRUS 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
16 CITRUS DRIVE FAQs
What would the monthly payment be for 16 CITRUS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,959/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 16 CITRUS DRIVE?+
The most recent tax bill on record (2025) was $7,609. 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 16 CITRUS DRIVE?+
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 $499,999, this home is listed about 33% 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 16 CITRUS DRIVE?+
Highland Lakes 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
Three things that matter here
01Positioned at the premium end
$499,999 runs 104% above the PALM HARBOR 34684 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $549,999, now $499,999 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of QUICKSILVER REAL ESTATE GROUP · Alexandros Antonakos. MLS #TB8516471.
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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