121 AUGUSTA AVENUE, PALM HARBOR, FL, 34683
Active30 days on marketListed Jun 24, 2026MLS #TB8521430
About this home
121 AUGUSTA AVENUE
Pre-Construction. To be built. Welcome to an extraordinary waterfront opportunity on prestigious Indian Bluff Island, one of Palm Harbor's most sought-after coastal enclaves. Perfectly positioned to capture breathtaking panoramic water views and spectacular Gulf sunsets, this rare deep-water homesite offers the ideal setting to create a custom luxury waterfront estate tailored to your vision. With direct, unobstructed access to St. Joseph Sound, Honeymoon Island, Caladessi Island, Three Rooker Island, and the Gulf of Mexico, this premier property is a dream for boating enthusiasts and those seeking the ultimate Florida waterfront lifestyle. Enjoy endless water adventures including boating, fishing, jet skiing, kayaking, and paddleboarding right from your backyard. Nestled at the end of a quiet street and surrounded by natural beauty, this exceptional property provides the perfect canvas to build a one-of-a-kind residence with our preferred custom builder or bring your own builder to create a masterpiece that maximizes the stunning views and unparalleled location. Indian Bluff Island offers a private coastal setting while remaining just minutes from Honeymoon Island State Park, pristine beaches, local marinas, downtown Palm Harbor, charming downtown Dunedin, fine dining, shopping, and recreation. This exceptional property is also zoned for the highly rated Palm Harbor University High School and Palm Harbor Middle School. Combining direct Gulf access, deep-water boating, breathtaking vistas, and endless possibilities for luxury new construction, this is a rare opportunity to secure one of the finest waterfront properties along Florida's Gulf Coast and bring your dream waterfront estate to life. Enjoy the video provided!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,401
Sqft
0.24 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$1,044
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.
$22,990 /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
$22,990/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
$1,044 vs $260
Days on market
30 vs 42 typical
Where $1,044/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)
212 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 782% 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 121 AUGUSTA 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$1,305,000
121 AUGUSTA AVENUE · same community
4 bd · 4.5 ba · 3,166 sqft · $412/sqft · 9 DOM
Sold · Mar ’26$3,500,000
110 CARLYLE DRIVE · same community
4 bd · 4.5 ba · 3,669 sqft · $954/sqft · 212 DOM
Sold · Feb ’26$900,000
109 PETERSON LANE · same community
4 bd · 3 ba · 2,348 sqft · $383/sqft · 111 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 121 AUGUSTA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 AUGUSTA 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
121 AUGUSTA AVENUE FAQs
What would the monthly payment be for 121 AUGUSTA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,990/mo — principal and interest, the actual property-tax bill, the $8/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 121 AUGUSTA AVENUE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 121 AUGUSTA AVENUE?+
The most recent tax bill on record (2025) was $28,022. 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 121 AUGUSTA AVENUE?+
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 $3,550,000, this home is listed about 847% 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 121 AUGUSTA 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
Three things that matter here
01Positioned at the premium end
$3,550,000 runs 782% above the PALM HARBOR 34683 median — but at 3,401 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Linda Caruso. MLS #TB8521430.
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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