9 FRESHWATER DRIVE, PALM HARBOR, FL, 34684
Active9 days on marketListed Jul 16, 2026MLS #TB8526277
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About this home
9 FRESHWATER DRIVE
Water Lovers, First-Time Buyers, and Downsizers—Welcome Home! If you've been dreaming of an affordable Florida lifestyle close to the water without sacrificing style or convenience, this beautifully updated home is exactly what you've been waiting for. Nestled in desirable Fresh Water Estates, directly across from a Lake Tarpon canal and backing to a peaceful, wooded preserve-like setting with no rear neighbors, this move-in-ready retreat offers privacy, comfort, and everyday enjoyment. Step inside to a bright, sun-filled open floor plan where durable laminate flooring flows throughout, creating an inviting and easy-to-maintain living space. The beautifully renovated kitchen serves as the heart of the home, featuring timeless shaker-style cabinetry, granite countertops, stainless steel appliances, and plenty of workspace for everyday living or entertaining. Just off the kitchen, you'll appreciate the spacious indoor laundry room with additional storage—an unexpected bonus in a home of this size. The updated bathroom continues the home's modern appeal with a granite vanity, crisp white cabinetry, and a stylish walk-in shower, creating a fresh, spa-inspired feel. Outside, the circular driveway provides ample parking, while NO HOA gives you the freedom to park your boat, RV, or other recreational toys right on your own property. Spend weekends launching your boat from the nearby community ramp onto beautiful Lake Tarpon, kayaking the nearby canals, fishing, or enjoying scenic walks and outdoor activities at Anderson Park just minutes away. Conveniently located near shopping, dining, everyday conveniences, and the new Trader Joe's, you'll love having everything you need within easy reach while still enjoying a relaxed, waterfront lifestyle. Whether you're searching for your first home, looking to downsize into an easy-care property, seeking a seasonal Florida retreat, or simply wanting to live closer to the water without the waterfront price tag, this home offers exceptional value. Affordable homes this close to Lake Tarpon—with modern updates, privacy, NO HOA, and room for your boat or RV—are becoming increasingly difficult to find. Schedule your private showing today and discover why this charming home is the perfect place to start your next chapter.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,030
Sqft
0.15 ac
Lot size
1983
Year built
One
Levels
$291
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.
$2,342 /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
$2,342/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
−10.5%
$/sqft vs Palm Harbor actives
$291 vs $259
Days on market
9 vs 42 typical
Where $291/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 Fresh Water Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Fresh Water Estates — neighborhood snapshot
Population
386
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
33%
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)
208 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 21% 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 9 FRESHWATER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$495,000
45 FRESHWATER DRIVE · same community
2 bd · 2 ba · 1,244 sqft · $398/sqft · 0 DOM
Sold · Oct ’25$420,000
94 S CANAL DRIVE · same community
3 bd · 2 ba · 1,649 sqft · $255/sqft · 45 DOM
Sold · Dec ’25$535,000
85 S CANAL DRIVE · same community
3 bd · 2.5 ba · 2,065 sqft · $259/sqft · 59 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 9 FRESHWATER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9 FRESHWATER 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
9 FRESHWATER DRIVE FAQs
What would the monthly payment be for 9 FRESHWATER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,342/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 9 FRESHWATER DRIVE?+
The most recent tax bill on record (2025) was $3,401. 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 9 FRESHWATER 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 $299,900, this home is listed about 20% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9 FRESHWATER 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
$299,900 runs 21% above the PALM HARBOR 34684 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $315,000, now $299,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Ginger Bennett. MLS #TB8526277.
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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