182 SUNWARD AVENUE, PALM HARBOR, FL, 34684
Active21 days on marketListed Jul 9, 2026MLS #TB8524727
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Upcoming open house
Sun, Aug 2
1:00 PM – 3:00 PM
About this home
182 SUNWARD AVENUE
Welcome to this beautifully maintained 2-bedroom, 2-bath home tucked away on a quiet cul-de-sac in Palm Harbor's desirable Sunshine Estates community. Offering over 1,500 square feet of heated and cooled living space, this move-in ready home features a new roof (2024), no HOA, and a location outside of a flood zone for added peace of mind. Inside, you'll find luxury vinyl plank flooring throughout, creating a seamless and modern look. The spacious living and dining areas are filled with natural light, while the heated and air-conditioned flex room provides valuable additional living space that can easily serve as a home office, hobby room, fitness area, playroom, or guest retreat. The kitchen offers ample cabinetry and workspace with easy access to the main living areas, making everyday living and entertaining a breeze. Additional updates include an HVAC system replaced in 2020, newer water heater, and double-pane windows for enhanced energy efficiency and comfort. The primary suite features a private bath and generous closet space, while the second bedroom and full bath offer flexibility for family or guests. Step outside to enjoy the fully fenced backyard with a wood privacy fence, providing plenty of room for pets, play, gardening, or outdoor gatherings. The cul-de-sac location offers reduced traffic, added privacy, and a welcoming neighborhood feel. Located in unincorporated Pinellas County, this property offers flexibility that is increasingly difficult to find, including the potential for short-term rental use, subject to local regulations and licensing requirements. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, this home offers a variety of possibilities. Conveniently located near shopping, dining, parks, Lake Tarpon, the Pinellas Trail, top-rated Palm Harbor schools, and the Gulf beaches, this home delivers the best of Florida living. Don't miss this opportunity to own a well-cared-for home with major system updates already completed. **Washer and dryer do not convey.**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,504
Sqft
0.17 ac
Lot size
1
Garage
1976
Year built
One
Levels
$253
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.
$2,983 /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
$2,983/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
−5.1%
$/sqft vs Palm Harbor actives
$253 vs $257
Days on market
21 vs 42 typical
Where $253/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 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)
210 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 55% 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 182 SUNWARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$366,800
20 SHELL CIRCLE · same community
2 bd · 2 ba · 1,434 sqft · $256/sqft · 5 DOM
Sold · Oct ’25$405,000
3209 PARKWAY PLACE · same community
2 bd · 2 ba · 1,578 sqft · $257/sqft · 6 DOM
Sold · Sep ’25$430,000
3279 SPANISH MOSS LANE · same community
3 bd · 2 ba · 1,616 sqft · $266/sqft · 14 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 182 SUNWARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 182 SUNWARD 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
182 SUNWARD AVENUE FAQs
What would the monthly payment be for 182 SUNWARD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,983/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 182 SUNWARD AVENUE?+
The most recent tax bill on record (2025) was $5,011. 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 $380,000, this home is listed about 1% 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 182 SUNWARD AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sebastian Olszewski. MLS #TB8524727.
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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