176 MAPLE AVENUE, PALM HARBOR, FL, 34684
Active5 days on marketListed Jul 19, 2026MLS #TB8530629
About this home
176 MAPLE AVENUE
Wake up to lake life every day from this end-of-canal home on a large lot with direct access to Lake Tarpon. A private dock with boatlift puts the water at your back door, and evenings here mean front-row seats to the sunset over the lake. Inside, 3,172 square feet of living space spans four bedrooms and three and a half baths, offering room to spread out and entertain. The oversized garage adds 1,300 square feet of additional space — ideal for storage, a workshop, or extra vehicles — and is complemented by two RV hookups on the property, a rare find for boaters, fishermen, and travelers alike. Recent updates give this home real staying power: a new AC system installed in 2022, a soft water system for whole home and a reverse osmosis water system for kitchen, and a 220V generator hookup for peace of mind during Florida's storm season. Set on a large end-of-canal lot, the property offers privacy and space that's increasingly hard to find on the water. Location is unbeatable for boating and golf enthusiasts alike, with easy proximity to Innisbrook Country Club. Waterfront homes with this combination of lot size, canal position, and lake access don't come along often. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,172
Sqft
0.21 ac
Lot size
3
Garage
1979
Year built
Two
Levels
$314
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 and the real association fee — not generic estimates.
$6,848 /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
$6,848/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.
$/sqft vs Palm Harbor actives
$314 vs $259
Days on market
5 vs 42 typical
Where $314/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 Lake Shore
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Lake Shore — neighborhood snapshot
Population
811
Median age
62
Median income
$78,149
Median home value
$311,987
Avg household
2
Households w/ children
53%
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 306% 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 176 MAPLE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$750,000
115 LAKE SHORE DRIVE E · same community
4 bd · 3 ba · 2,324 sqft · $323/sqft · 164 DOM
Sold · Oct ’25$1,000,000
182 E CANAL DRIVE · same community
3 bd · 3.5 ba · 2,200 sqft · $455/sqft · 166 DOM
Sold · Dec ’25$800,000
118 LAKE SHORE DRIVE E · same community
3 bd · 2 ba · 1,740 sqft · $460/sqft · 96 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 176 MAPLE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 176 MAPLE 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
176 MAPLE AVENUE FAQs
What would the monthly payment be for 176 MAPLE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,848/mo — principal and interest, the actual property-tax bill, the $2/mo association fee 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.
How much are the HOA fees at 176 MAPLE AVENUE?+
The association fee works out to $2 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 176 MAPLE AVENUE?+
The most recent tax bill on record (2025) was $11,321. 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 176 MAPLE AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 $995,000, this home is listed about 165% 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 176 MAPLE AVENUE?+
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
$995,000 runs 306% above the PALM HARBOR 34684 median — but at 3,172 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LANTES REAL ESTATE LLC · Teresita Gonzalez. MLS #TB8530629.
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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