
670 SPARROW AVENUE, PALM HARBOR, FL, 34683
Active24 days on marketListed Jul 11, 2026MLS #TB8528356
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
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.
$3,627 /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
$3,627/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.
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
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
$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
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.
Sold · Apr ’26$640,000
804 ROBIN AVENUE · same community
4 bd · 2 ba · 2,173 sqft · $295/sqft · 13 DOM
Sold · Jun ’26$470,000
1372 RISERVA LANE
3 bd · 2.5 ba · 2,050 sqft · $229/sqft · 33 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 670 SPARROW AVENUE — start here.

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.
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.
Keep looking
Similar homes nearby
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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