104 OLD MILL POND ROAD, PALM HARBOR, FL, 34683
Active135 days on marketListed Mar 20, 2026MLS #W7884011
About this home
104 OLD MILL POND ROAD
Location–Location–Location! Spacious 3-bedroom, 3-bath townhome with over 2,000 heated square feet located in the highly sought-after Gleneagles Cluster Townhome Community of Palm Harbor. This beautifully maintained home combines thoughtful design, comfortable living spaces, and an unbeatable location and value. Ideally situated just minutes from the Dunedin Causeway, Honeymoon and Caladesi Islands, Crystal Beach, and Fred Howard Park, this property also offers convenient access to the charming downtown areas of Palm Harbor, Tarpon Springs, and Dunedin, known for their waterfront dining, boutiques, and entertainment. Golf enthusiasts will appreciate being just next door to the renowned Innisbrook Golf & Spa Resort, home of the legendary Copperhead Course and the PGA Valspar Championship. Step inside to beautiful Travertine marble flooring and tile throughout the first floor and a spacious open layout designed for both everyday living and entertaining. The living and family rooms are connected by a unique full-size wet bar, perfect for hosting guests. The large family room features vaulted ceilings and a dramatic floor-to-ceiling stone fireplace, while expansive sliding glass doors lead to a private patio deck surrounded by lush landscaping, creating a peaceful outdoor retreat. The kitchen includes granite countertops, stainless steel appliances, and a convenient pass-through window to the dining room for easy entertaining. Upstairs, all bedrooms are privately situated and feature large walk-in closets and two private lanais. The spacious primary suite includes a vaulted ceiling, enclosed sitting area, and updated bath with newer cabinetry and a garden soaking tub. Additional highlights include first-floor laundry with new washer and dryer (2024), covered parking with a private storage area. Recent updates include roof (2018), new ducts and shutters (2016), attic insulation (2025), water heater (2026), and fresh exterior paint (2025). Residents enjoy a maintenance-free lifestyle, with HOA fees covering exterior maintenance, grounds care, water, sewer, trash, cable, and exterior insurance. Set within a quiet, pet-friendly community with mature landscaping and a park-like setting, this home is conveniently located near Gulf beaches, Clearwater-St. Pete Airport, and Tampa International Airport. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,004
Sqft
0.05 ac
Lot size
1978
Year built
Two
Levels
$169
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.
$3,663 /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
$3,663/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
−19.3%
$/sqft vs Palm Harbor actives
$169 vs $260
Days on market
135 vs 42 typical
Where $169/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 Gleneagles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Gleneagles — neighborhood snapshot
Population
1,807
Median age
42
Median income
$60,120
Median home value
$255,400
Avg household
2
Households w/ children
125
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)
202 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 18% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 OLD MILL POND ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$425,000
2189 OAK FOREST LANE · same community
2 bd · 2 ba · 1,994 sqft · $213/sqft · 5 DOM
Sold · Sep ’25$520,000
2177 OAK FOREST LANE · same community
2 bd · 2 ba · 2,150 sqft · $242/sqft · 8 DOM
Sold · May ’26$420,000
2170 OAK FOREST LANE · same community
3 bd · 3 ba · 1,850 sqft · $227/sqft · 146 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 104 OLD MILL POND ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 OLD MILL POND ROAD — 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
104 OLD MILL POND ROAD FAQs
What would the monthly payment be for 104 OLD MILL POND ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,663/mo — principal and interest, the actual property-tax bill, the $875/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 104 OLD MILL POND ROAD?+
The association fee works out to $875 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 OLD MILL POND ROAD?+
The most recent tax bill on record (2025) was $5,784. 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 104 OLD MILL POND ROAD?+
The listing reports pets: Breed Restrictions, Number Limit. 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 $339,000, this home is listed about 10% 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 104 OLD MILL POND ROAD?+
Sutherland 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
Five things that matter here
01Under the PALM HARBOR 34683 market on paper
$339,000 is 18% below the PALM HARBOR 34683 median of $415,000, and at $169/sqft it sits under the Palm Harbor average of $269.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $875/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
135 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Kerry Sullivan, LLC. MLS #W7884011.
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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