1861 WILLOW OAK DRIVE N, PALM HARBOR, FL, 34683
Active27 days on marketListed Jul 6, 2026MLS #TB8525926
About this home
1861 WILLOW OAK DRIVE N
WHAT'S SPECIAL ABOUT THIS HOME? Well start with it's been Completely Renovated from Floor-to Ceiling, this exceptional residence showcases meticulous craftsmanship and an incredible attention to detail. With over "$128,000 in Upgrades", this stunning 2-bedroom, 2-bathroom home feels like a professionally designed model from the moment you step inside. The open-concept floor plan was created by removing three walls, making the spectacular kitchen the centerpiece of the home. Completely rebuilt down to the studs, the kitchen features a breathtaking "9-foot quartz island" with a built-in microwave, induction cooktop with anti-scratch glass top, pot filler, stainless steel range hood, porcelain farmhouse sink, and gold faucet. Soft-close solid wood cabinetry, a Coffee Bar and Pantry Area, Plus New Stainless Steel Applicances complete this designer-inspired space. New Luxury Vinyl Flooring flows throughout the entire home, while popcorn ceilings have been removed and replaced with modern knockdown texture. Entire Home has been Freshly Painted, updated LED lighting throughout, new switches, receptacles, and GFCI outlets, along with custom closet systems in both bedrooms, add to the home's refined appeal. Major mechanical updates include a 2024 AC system, a 2024 Square D 200-amp electrical panel, and a 2024 on-demand tankless water heater with new 6-gauge wiring. Both bathrooms were completely gutted to the studs and beautifully renovated with new tile, flooring, vanities, plumbing fixtures, mirrors, lighting, elongated comfort-height toilets, and window treatments. The family room features a beautiful wood burning fireplace. Sliding glass doors open to the patio from both the living, family room and master bedroom. The garage has also received extensive improvements, including all-new drywall, professionally stripped and epoxy-coated flooring, a new wall-mounted opener, new springs and rollers, and a new wind-rated side entry door. Outside, you'll find a vinyl privacy fence featuring a 10-foot double swing gate and a 5-foot single gate. The exterior of the home has been pressure washed, sealed, and painted, while the front and rear porch ceilings were refinished with updated texture. Additional highlights include a roof installed in 2017, featuring peel-and-stick underlayment, professionally soft-washed in 2025, along with blown-in insulation added in 2025 for enhanced energy efficiency and new LED lights throughout the home. This is truly a rare opportunity to own a turnkey, extensively renovated home where every detail has been carefully considered and no expense has been spared. Zoned for some of the best schools in Pinellas County and just minutes from 3 different beaches. The home is not in a FLOOD ZONE and there are NO DEED RESTRICTIONS , and NO HOA OR CDD FEES - Bring your boat if you like. Located on a corner lot and there's also room for a pool in the backyard. Minutes from the Pinellas Trail. Make your appt today, this home won't last long.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,481
Sqft
0.2 ac
Lot size
2
Garage
1981
Year built
One
Levels
$324
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.
$3,526 /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
$3,526/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
+13%
$/sqft vs Palm Harbor actives
$324 vs $261
Days on market
27 vs 42 typical
Where $324/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)
204 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 16% 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 1861 WILLOW OAK DRIVE N
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$415,000
346 CHERRY LAUREL DRIVE · same community
3 bd · 2 ba · 1,556 sqft · $267/sqft · 166 DOM
Sold · Jun ’26$470,000
143 CHERRY LAUREL DRIVE · same community
3 bd · 2 ba · 1,560 sqft · $301/sqft · 35 DOM
Sold · Sep ’25$525,000
908 HIGHVIEW DRIVE
3 bd · 2 ba · 1,471 sqft · $357/sqft · 17 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 1861 WILLOW OAK DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1861 WILLOW OAK DRIVE N — 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
1861 WILLOW OAK DRIVE N FAQs
What would the monthly payment be for 1861 WILLOW OAK DRIVE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,526/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 1861 WILLOW OAK DRIVE N?+
The most recent tax bill on record (2025) was $3,971. 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 1861 WILLOW OAK DRIVE N?+
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 $479,500, this home is listed about 28% 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 1861 WILLOW OAK DRIVE N?+
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
$479,500 runs 16% above the PALM HARBOR 34683 median.
02Trees/Woods views
The trees/woods 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.
04The price has already moved
Listed at $485,000, now $479,500 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Lyn DeBoer. MLS #TB8525926.
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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