David Ramirez
$599,0003 bd2 ba2,028 sqft$295 /sqft$3,627 /mo all-in ↓

670 SPARROW AVENUE, PALM HARBOR, FL, 34683

Active24 days on marketListed Jul 11, 2026MLS #TB8528356

Private poolSingle Family ResidenceRED OAK HILLS

About this home

670 SPARROW AVENUE

Welcome to 670 Sparrow Avenue, a rare Palm Harbor property offering space, privacy, character, and incredible value on nearly half an acre beneath a breathtaking canopy of mature oak trees. Nestled on a generous .44-acre lot in one of Palm Harbor's most desirable locations, this unique pool home combines the charm of Old Florida living with endless potential to make it your own. From the moment you arrive, you'll appreciate the peaceful setting, lush landscaping, and sense of seclusion that make this property truly special. Towering oaks frame the home and grounds, creating a picturesque backdrop and inviting outdoor spaces that are becoming increasingly difficult to find in today's market. The backyard is the centerpiece of the property and an entertainer's dream. A massive tiki-style pavilion surrounds the screened-in pool and spa, creating the perfect setting for year-round gatherings, weekend cookouts, pool parties, or relaxing evenings under the stars. Beyond the screened enclosure, the expansive yard offers winding pathways, mature landscaping, room for recreation, gardening, pets, or future enhancements. With nearly half an acre to enjoy, the possibilities are endless. Inside, the flexible split-bedroom floor plan offers privacy and functionality, with approximately 3 bedrooms, 2 bathrooms, a dedicated office, multiple living spaces, and a large bonus/flex room that can easily serve as a media room, game room, fitness area, playroom, or additional family room. The spacious primary suite is privately situated away from the secondary bedrooms and includes a retreat area ideal for a nursery, home office, reading nook, or sitting room. The kitchen features an eat-in dinette space perfect for casual dining and everyday living, while the thoughtful layout provides plenty of room for both entertaining and daily life. Major improvements have already been completed, including impact-resistant windows, updated HVAC systems, updated water heater, and roof replacement. The home also features solar panels that help keep monthly electric bills remarkably low, and the solar system will be paid off at closing, allowing the new owner to enjoy the benefits without assuming the balance. While some cosmetic updates and finishing touches may be desired, this creates an exciting opportunity to personalize the home at your own pace while immediately enjoying everything this exceptional property has to offer. For buyers seeking space, location, and value, this is truly one of the best opportunities currently available in Palm Harbor. Located just minutes from Honeymoon Island State Park, Caladesi Island, the Gulf beaches, Downtown Palm Harbor, Downtown Dunedin, and the Pinellas Trail, you'll enjoy easy access to boating, kayaking, biking, waterfront dining, breweries, boutique shopping, and year-round community events. Wall Springs Park, marinas, boat ramps, golf courses, top-rated schools, and everyday conveniences are all nearby. With no HOA, nearly half an acre of land, a screened pool and spa, incredible outdoor entertaining spaces, mature oak trees, solar power, and a prime Palm Harbor location, 670 Sparrow Avenue delivers a combination of lifestyle, flexibility, and value that is hard to find. Move in, make a few updates as you go, and create the Florida home you've always envisioned. If you're looking for the best value for the price in Palm Harbor, this is a property you won't want to miss.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,028

Sqft

0.44 ac

Lot size

1985

Year built

One

Levels

$295

Per sqft

Private poolFireplace

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorOpen Floorplan · Vaulted Ceiling(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationBlock
FacesNorth
ExteriorLighting · Outdoor Kitchen

Community & fees

Taxes (2025)$128/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,627 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property tax — 2025 actual bill$11
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $59,900
Interest rate6.00%
Loan term

Estimated payment

$3,627/mo

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property taxes (actual bill)$11
Est. insurance$160

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.

List $599K
$488KedgeAI estimate $595,085 · range $509K$660K$686K

vs edgeAI estimate

+0.7%

$/sqft vs Palm Harbor actives

$295 vs $264

Days on market

24 vs 48 typical

Where $295/sqft sits among the 400 Palm Harbor actives

69
76
93
83 · this home
45
34
$152–195$195–238$238–282$282–325$325–368$368+

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

Map of 670 SPARROW AVENUE

Drive times from this address

Tampa Int’l Airport (TPA)38 min
Downtown Tampa42 min

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

ElementaryLake St. George Elementary School★★★★
MiddlePalm Harbor Middle School★★★★
HighPalm Harbor University High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller3.7 months of inventoryBuyer’s market

$420K$445K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

218 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 50% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

Jul 11, 2026Listed at $599,000 · 24 days on market since
1985Built · RED OAK HILLS

Reality check

What actually sold near 670 SPARROW AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

804 ROBIN AVENUESold · Apr ’26

$640,000

804 ROBIN AVENUE · same community

4 bd · 2 ba · 2,173 sqft · $295/sqft · 13 DOM

1372 RISERVA LANESold · Jun ’26

$470,000

1372 RISERVA LANE

3 bd · 2.5 ba · 2,050 sqft · $229/sqft · 33 DOM

48 HILLSIDE COURTSold · Sep ’25

$710,000

48 HILLSIDE COURT

4 bd · 2 ba · 2,075 sqft · $342/sqft · 29 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 670 SPARROW AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 670 SPARROW 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.

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Goes straight to David’s phone and CRM.

Straight answers

670 SPARROW AVENUE FAQs

What would the monthly payment be for 670 SPARROW AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,627/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 670 SPARROW AVENUE?+

The most recent tax bill on record (2025) was $128. 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 $599,000, this home is listed about 58% above the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.

Which schools are assigned to 670 SPARROW 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

$599,000 runs 50% above the PALM HARBOR 34683 median — but at 2,028 sqft it's also 38% larger than the typical Palm Harbor listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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.

Listing courtesy of MIHARA & ASSOCIATES INC. · Linda Urban. MLS #TB8528356.

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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