Palm Harbor Homes with AE Flood Zone

Palm Harbor Homes with AE Flood Zone

Welcome to Palm Harbor, a charming city located in Pinellas County, Florida. Known for its picturesque landscapes, vibrant community, and endless recreational opportunities, Palm Harbor offers the perfect blend of suburban tranquility and modern conveniences.

One of the unique features of Palm Harbor is its homes with AE Flood Zone designation. Living in an AE Flood Zone means that properties are at a moderate to high risk of flooding, making it essential for homeowners to have flood insurance. However, don't let this deter you, as many residents in Palm Harbor have found ways to protect their homes and enjoy the beauty of living in this coastal area.

Palm Harbor boasts a variety of real estate options, from cozy waterfront cottages to spacious modern estates. Whether you're looking for a quiet retreat by the water or a family-friendly neighborhood with top-rated schools, Palm Harbor has something for everyone.

With its proximity to stunning beaches, world-class golf courses, and a thriving downtown area, Palm Harbor offers the perfect balance of relaxation and entertainment. Come explore all that this vibrant city has to offer and find your dream home in Palm Harbor, where every day feels like a vacation.

Newest Palm Harbor Homes with AE Flood Zone

$1,625,000
4 Beds ⋅ 4 Baths ⋅ Oyster Point Sub SubDv. ⋅ 34683 Zip Code ⋅ TB8529549 MLS ⋅ Active Status
Every detail of this custom Key West-inspired residence has been thoughtfully designed to embrace the Florida lifestyle while delivering exceptional comfort, craftsmanship, and timeless coastal elegance. Perfectly positioned on a beautifully landscaped 0.26-acre corner homesite within the sought-after Oyster Point community, this 4-bedroom, 3.5-bath residence offers 3,334 square feet of heated living space and 6,344 total square feet across three expansive levels, creating a home that feels both grand and inviting. Natural light pours through the open-concept living spaces, highlighting soaring ceilings, engineered hardwood flooring, crown molding, custom built-ins, and a wood-burning fireplace that creates a warm focal point for gathering. Designed with entertaining in mind, the spacious kitchen features solid wood cabinetry, stone countertops, abundant prep space, and a seamless connection to the dining and living areas, making everyday living as enjoyable as hosting family and friends. The home's outdoor living spaces are equally impressive. Covered wraparound decks capture peaceful views toward Sutherland Bayou, extending the living space outdoors and providing the perfect setting for morning coffee, sunset cocktails, or weekend entertaining. Below, the private saltwater pool is surrounded by mature landscaping, creating a secluded fenced backyard retreat that feels like your own private resort. Occupying its own level, the spacious primary suite offers privacy and tranquility, while three additional bedrooms provide flexibility for guests, family, or a home office. An oversized four-car garage offers exceptional storage for vehicles, golf carts, watercraft, and recreational equipment. Located just minutes from marinas, championship golf, waterfront parks, charming downtown Palm Harbor, Ozona, Dunedin, and the Gulf Coast's award-winning beaches, this exceptional residence combines luxury, space, and an unbeatable coastal lifestyle—all with no HOA fees.

1700 Oyster Point Way, Palm Harbor
$135,000
Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code ⋅ TB8535108 MLS ⋅ Active Status
Property Overview Bring your architectural dreams to life on this rare waterfront vacant lot nestled directly on a tranquil channel leading straight out to the sparkling waters of St. Joseph Sound and the Gulf of Mexico. Whether you envision a custom coastal retreat or a modern manufactured masterpiece, this blank canvas offers the ultimate Florida boating lifestyle. Best of all, the property currently features two boat davits, meaning your aquatic adventures can begin the moment you move in! Community & Neighborhood Highlights Welcome to the charming seaside community of Crystal Bay Mobile Home Club, a vibrant, highly active, and resident-owned 55+ cooperative located in beautiful Palm Harbor, Florida. Enjoy a peaceful, friendly neighborhood atmosphere paired with incredible resort-style amenities right at your fingertips: Boater's Dream: Community dock, boat slips, and direct deep-water access to the Gulf. On-Site Recreation: Spend your days fishing right from the neighborhood dock, relaxing by the sparkling community pool, or engaging in friendly competition on the shuffleboard courts. Active Social Life: The community clubhouse serves as the social hub for clubs, events, and gatherings with neighbors who quickly become lifelong friends. Prime Location: Conveniently situated near world-famous Gulf beaches, scenic parks, local dining, shopping, and Tampa Bay area conveniences. Disclaimer Please note that the photographs and visual media used to showcase this vacant land are for illustrative and marketing purposes only. Some images have been digitally enhanced, altered, or created using digital means. These modifications may include, but are not limited to, the creation of simulated twilight effects, the digital removal or elimination of existing on-site items, and architectural renderings depicting potential home designs that could be built on the property. Prospective buyers are advised to independently verify all property dimensions, current physical conditions, zoning regulations, and suitability for any intended construction.

102 Schooner Drive Unit 102, Palm Harbor
$979,000
3 Beds ⋅ 2 Baths ⋅ Ozona Shores 3rd Add SubDv. ⋅ 34683 Zip Code ⋅ TB8532198 MLS ⋅ Active Status
Ozona Waterfront Stunner – Golf Cart Lifestyle! Experience the ultimate turnkey waterfront lifestyle in the golf-cart-legal community of coveted Ozona. This exceptional residence features over $200,000 in recent high-end upgrades, offering a private resort-style sanctuary. Launch your boat directly from your private dock, complete with newer composite wood decking and a brand-new seawall, providing a direct gateway to Honeymoon Island, Caladesi Island, and Clearwater Beach. Exquisite Interior & Upgrades... Inside, an open floor plan seamlessly merges living, dining, and kitchen areas with breathtaking water views. The chef’s kitchen serves as the heart of the home, boasting a custom quartz island, premium stainless steel appliances, and a designer backsplash. All bathrooms feature recent modern renovations, and a custom addition expands the laundry, fitness room, and garage storage. Enjoy total peace of mind with full hurricane-impact windows, a hurricane-rated garage door, and a recent roof and AC system. Resort-Style Outdoor Oasis... The backyard is a private paradise where dolphins and manatees frequently visit. Relax by the heated pool and integrated waterfall spa, surrounded by an expansive marble-tiled deck. The pool features a brand-new, state-of-the-art Low-Chlo purification system that provides crystal-clear water with drinking-water chlorine levels. A 300-square-foot lanai with premium fine-mesh clarity screening and custom powered exterior awnings ensures comfortable year-round outdoor living. The Unmatched Ozona Vibe.. Live like a local in Tampa Bay's favorite golf-cart community. Cruise effortlessly from your driveway to multiple marinas, popular local eateries, craft breweries, the Pinellas Trail, and the top-rated local elementary school. With a nearby bridge being raised to accommodate larger vessels, your boating access is better than ever. Don't miss this rare blend of luxury, waterfront convenience, and golf-cart-casual charm!

223 Pinecrest Drive, Palm Harbor
$320,000
3 Beds ⋅ 3 Baths ⋅ Waterford At Palm Harbor Luxury Condo SubDv. ⋅ 34685 Zip Code ⋅ TB8531295 MLS ⋅ Active Status ⋅ 3638 BLDG.
Welcome to this beautifully updated 3-bedroom, 2.5-bath townhome-style condominium located in the desirable East Lake Corridor of Palm Harbor. Situated within a gated community, this home offers a functional layout, quality updates, and low-maintenance living. The interior features an updated kitchen, renovated bathrooms, plantation shutters throughout, updated windows and doors, and an open living area designed for everyday living and entertaining. The spacious primary suite and two additional bedrooms provide flexibility for guests, a home office, or family living. Additional features include an attached one-car garage with a washer and dryer, offering added convenience and storage. Community amenities include a community swimming pool with spa, fitness center, library, pool room and beautifully maintained grounds. Conveniently located near top-rated schools, shopping, dining, golf courses, parks, Lake Tarpon, the Pinellas Trail, and Gulf beaches, with easy access to Tampa, Clearwater, and St. Petersburg. Move-in ready and ideally located, this home offers an excellent opportunity to enjoy everything the East Lake area has to offer.

3638 Trafalgar Way Unit 102, Palm Harbor
$285,000
3 Beds ⋅ 2 Baths ⋅ Ponds Of Tarpon Woods SubDv. ⋅ 34685 Zip Code ⋅ TB8534200 MLS ⋅ Active Status ⋅ 1400 BLDG.
Welcome to this fully renovated and beautifully remodeled END-UNIT condo offering peaceful water views, an exceptional layout, and maintenance-free living in one of Palm Harbor's most desirable locations! Spanning approximately 1,300 square feet, this spacious residence features two full bedrooms, two updated bathrooms, a versatile THIRD BEDROOM option, and the convenience of an inside laundry room. From the moment you step inside, you'll appreciate the attention to detail with bamboo flooring throughout, recessed lighting, shiplap accent walls, updated ceiling fans and fixtures, new interior doors, and smooth ceilings with no popcorn texture. The stunning, newly open-concept kitchen serves as the heart of the home, showcasing quartz countertops, a glass tile backsplash, new soft-close cabinetry, sleek stainless appliances, and a generous pantry closet, all overlooking the spacious living and dining areas. The private primary suite is a true retreat, complete with a beautifully remodeled en-suite bath featuring dual sinks, stone countertops, new cabinetry, and an elegant walk-in shower. The flexible third bedroom offers a built-in closet and serene water views, making it equally ideal as a guest room, home office, hobby space, or den! Major updates provide peace of mind, including a new (2025) hot-water heater, (2023) ROOF, (2017) HVAC, and NEW hurricane-impact windows. A recent 4-point inspection is available and transferable to the buyer, making insurance coverage a breeze! Located just steps from the heated community pool, residents can enjoy year-round swimming and the relaxed Florida lifestyle. The monthly HOA fee includes water, sewer, trash, lawn, exterior maintenance, roof, and building insurance, allowing for truly carefree ownership. Ideally situated near walking and biking trails, John Chesnut Park, Lake Tarpon, the East Lake YMCA, golf courses, shopping, dining, area beaches, and Tampa International Airport, this exceptional property is perfect as a full-time residence, seasonal getaway, or vacation home. Combining a prime location, thoughtful updates, flexible living space, and picturesque water views, this move-in-ready condo offers the very best of low-maintenance, resort-style living. Call for your private showing today - the opportunity to own this rare gem won't last long!

1400 Tarpon Woods Boulevard Unit A1, Palm Harbor
$578,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code ⋅ TB8534105 MLS ⋅ Active Status
Virtually Staged. Virtually Staged. Completely renovated and move-in ready! This stunning 3-bedroom, 2-bathroom home features a NEW 2026 roof, HVAC, water heater, flooring. The home also includes impact-resistant windows for lasting value and peace of mind. The beautifully redesigned kitchen showcases modern cabinetry, quartz countertops, and stainless steel appliances, while the fully renovated bathrooms feature elegant contemporary finishes. Situated on a fully fenced corner lot with a 2-car garage and oversized gate for RV or boat parking. Ideally located just minutes from award-winning Gulf beaches, shopping, dining, and top attractions. With verified short-term rental income potential of up to $60,000 annually, this is an incredible opportunity as a primary residence, vacation home, or investment. Schedule your private showing today!

212 Driftwood Place, Palm Harbor
$825,000
4 Beds ⋅ 2 Baths ⋅ Sutherland Town Of SubDv. ⋅ 34683 Zip Code ⋅ TB8533741 MLS ⋅ Active Status
Don't miss this rare opportunity to own a beautifully maintained elevated home in the heart of Ozona—one of Palm Harbor's most sought-after waterfront communities. Designed with quality and longevity in mind, this original-owner home has been meticulously cared for and thoughtfully updated throughout. Enjoy peace of mind with major improvements already completed, including a 2019 roof, impact windows and doors, HVAC systems (2019 & 2022), new electrical panel, outlets and switches (2023), stamped concrete in the garage and pool area (2024), garage siding (2024), updated insulation and soffits (2025), remodeled kitchen (2015), and new exhaust fans. The salt cell pool is equip with an iAQUALINK to control the cleaning system, the jets, pool pumps, or even the chemical levels and temperature. It also has dual swim jets so you can practice your swimming stroke. The lower level is a standout feature, offering an incredible garage and workshop space with James Hardie fiber cement siding, abundant storage, a rolling tool chest, shaded pool equipment area, and plenty of room for hobbies, toys, and projects. This 624 sq ft (24'x26') bonus room is sure to impress and is not included in the total of 2,072 sq ft Inside, you'll appreciate the remodeled kitchen, spacious layout, and thoughtful details like the heated towel warmer in the primary bath. Xeriscape landscaping keeps exterior maintenance to a minimum. Located in the heart of Ozona, you'll love the golf cart lifestyle with easy access to waterfront restaurants, marinas, parks, live music, community events, top-rated schools, and the Pinellas Trail. Whether you're boating, dining on the water, or enjoying one of Ozona's many festivals, this is a community unlike any other. Homes in Ozona don't last long—especially those that have been this well cared for. Schedule your private showing today before this exceptional opportunity is gone.

940 Wisconsin Avenue, Palm Harbor
$498,500
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code ⋅ TB8532242 MLS ⋅ Active Status
Welcome to this fully remodeled, permit-completed residence offering 3 bedrooms, 2 bathrooms, a spacious bonus living area, and a private pool in unincorporated Pinellas County. Whether used as a primary residence, long-term investment, or seasonal retreat, this home offers exceptional flexibility in a highly desirable setting. From the moment you arrive, the surrounding waterfront neighborhood creates an immediate sense of prestige, with multimillion-dollar waterfront homes located directly across the street. The freshly painted exterior, tabby shell accents, and carefully selected finishes provide impressive curb appeal and set the tone for what awaits inside. Step through the front door and discover a bright, open interior where nearly every detail has been thoughtfully updated. The luxurious chef’s kitchen serves as the centerpiece of the home, featuring custom cabinetry, premium finishes, and an oversized island with generous seating. The kitchen flows seamlessly into the main living area, where large, newer windows fill the space with abundant natural light. The north side of the home features two spacious bedrooms and a stunning guest bathroom with custom tilework and elevated designer finishes. On the south side, a separate living area creates a private retreat with an additional large bedroom, a second spa-inspired bathroom featuring distinctive custom stonework, and an expansive bonus room surrounded by oversized windows. Sliding glass doors open to the backyard oasis, complete with a large swimming pool featuring updated tilework and ample space for relaxing or entertaining. A sizable detached storage shed with electricity adds valuable utility and flexibility. Major improvements include a 2021 roof, 2025 air-conditioning system, updated electrical, and extensive interior and exterior renovations. With its sophisticated finishes, versatile layout, private pool, and premier location, this exceptional home is truly move-in ready.

403 Driftwood Drive W, Palm Harbor
$144,900
2 Beds ⋅ 2 Baths ⋅ Farrell Park Condo SubDv. ⋅ 34685 Zip Code ⋅ TB8530794 MLS ⋅ Active Status ⋅ 3399 BLDG.
Welcome to 3399 Mermoor Drive #105, located the beautiful Ridgemoor community in the desirable East Lake area of Palm Harbor! This beautifully refreshed 2-bedroom, 2-bath condominium offers over 1,000 square feet of comfortable living space and is the perfect opportunity for buyers seeking a clean, move-in ready home with the ability to add their own personal style over time. Recent improvements include fresh interior paint and brand-new carpeting throughout, creating a bright, inviting atmosphere from the moment you step inside. The spacious living and dining area opens to a private screened lanai, providing the perfect place to enjoy your morning coffee or unwind while taking in the peaceful Florida surroundings. The functional kitchen offers plenty of cabinet and counter space, while the split-bedroom floor plan provides privacy for both owners and guests. The generous primary suite features a walk-in closet and an en-suite bathroom, and the in-unit laundry adds everyday convenience. Ridgemoor is a gated, beautifully maintained community offering residents a heated swimming pool, clubhouse, car wash station, and access to the master association's scenic walking and biking trails, tennis courts, basketball courts, and playground. Monthly condominium fees include water, sewer, trash, basic cable, exterior maintenance, grounds maintenance, building insurance, reserves, and recreational amenities for truly low-maintenance living. Ideally situated just minutes from John Chesnut Sr. Park on Lake Tarpon, Lansbrook Golf Club, the YMCA, shopping, dining, medical facilities, and top-rated Palm Harbor schools, this home offers an exceptional combination of location, value, and lifestyle. Whether you're searching for a year-round residence or a seasonal Florida retreat, this is an opportunity you won't want to miss!

3399 Mermoor Drive Unit 105, Palm Harbor
$745,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code ⋅ TB8527358 MLS ⋅ Active Status
Experience the ultimate Florida waterfront lifestyle in this beautifully renovated coastal retreat, perfectly situated on an oversized pie-shaped lot at the end of a quiet private cul-de-sac. Boasting more than 155 feet of waterfront, this exceptional property offers direct Gulf access and is a dream come true for boaters, anglers, and anyone who loves life on the water. Step outside to your private backyard paradise featuring a brand-new oversized composite dock complete with a 15,000lb boat lift, making it effortless to launch your next adventure. A new seawall cap provides added peace of mind, while the expansive waterfront offers plenty of room to relax, entertain, and soak in the coastal scenery. Inside, this home has been completely transformed with quality updates throughout. Major improvements include new roof (2022), new HVAC system and ductwork (2023), double-pane PVC windows and sliding glass doors, luxury vinyl plank flooring throughout, fresh interior paint, a newer paver driveway, a stunning new kitchen, and beautifully updated bathroom vanities. Don't let the front fool you, this home is remarkably spacious inside. The bright, open floor plan is filled with natural light thanks to walls of sliding glass doors that seamlessly connect the living area to the expansive wraparound screened porch, creating the perfect space for year-round indoor-outdoor entertaining. The thoughtfully designed split-bedroom layout provides privacy for family and guests. The oversized primary bedroom serves as a peaceful retreat, featuring a custom walk-in closet and a beautifully appointed en-suite bath with dual vanities. The heart of the home is the open-concept kitchen, complete with granite countertops, a center island, abundant cabinetry, and a layout designed for gathering with family and friends. Location is everything, and this home truly has it all. Enjoy direct Gulf access for boating, fishing and diving enthusiasts. You're also less than an hour from two major airports, making travel convenient for full-time residents and seasonal homeowners alike. Surrounded by some of Pinellas County's most desirable destinations, you'll be just minutes from the historic Tarpon Springs Sponge Docks, vibrant downtown Dunedin, Palm Harbor, Ozona, Crystal Beach, Honeymoon Island, Caladesi Island, and countless waterfront restaurants, parks, beaches, and shopping destinations. Every nearby community offers its own unique charm and coastal character. The neighborhood enhances the lifestyle even further with a private community boat ramp and direct access to the Pinellas Trail, perfect for biking, walking, and enjoying Florida's beautiful outdoors. Whether you're searching for a full-time waterfront residence, a seasonal escape, or the perfect place to enjoy boating and coastal living, this exceptional property delivers it all. Florida waterfront living truly doesn't get any better than this. Boat and trailer may be available for purchase separately and can be negotiated as part of the sale.

318 Circle Drive, Palm Harbor
$968,000
4 Beds ⋅ 4 Baths ⋅ Lake Shore Estates 1st Add SubDv. ⋅ 34684 Zip Code ⋅ TB8530629 MLS ⋅ Active Status
Direct Lake Tarpon Access + Private Dock! Your Lake Tarpon lifestyle awaits! Wake up every morning surrounded by peaceful water views in this exceptional end-of-canal waterfront home offering direct access to one of Pinellas County’s most sought-after lakes. With your own private dock and boat lift just steps from your backyard, boating, fishing, paddleboarding, and sunset cruises become part of everyday life. Set on a generous lot with beautiful water views, this move-in ready home offers 3,172 square feet of living space, 4 bedrooms, 3.5 bathrooms, and plenty of room to relax and entertain. The thoughtfully designed layout provides the perfect balance of comfort, functionality, and Florida living — whether you’re hosting family and friends or enjoying a quiet evening watching the sunset over Lake Tarpon. Imagine starting your day with coffee by the water, spending afternoons on the lake, and ending your evenings with breathtaking sunsets from your own private retreat. With direct lake access, a private dock, boat lift, and a spacious home with room to grow, this is a rare opportunity to enjoy the best of the Florida waterfront lifestyle. Bring your boat, bring your family, and start living the Lake Tarpon dream — there is nothing left to do but move in and enjoy

176 Maple Avenue, Palm Harbor
$1,150,000
4 Beds ⋅ 3 Baths ⋅ St Joseph Sound Estates SubDv. ⋅ 34683 Zip Code ⋅ TB8527152 MLS ⋅ Active Status
Welcome to 760 Soundview Drive, a stunning Key West-style retreat in the heart of Ozona, one of Palm Harbor's most sought-after waterfront communities. Offering 4 bedrooms, 2.5 bathrooms, an oversized 2+ car garage, and a sparkling pool with a cascading waterfall overlooking a picturesque saltwater canal, this home perfectly captures the Florida lifestyle. From the moment you step inside, you'll be welcomed by soaring ceilings, abundant natural light, and a warm, inviting atmosphere. A spacious formal living room at the front of the home provides an elegant space for entertaining guests or enjoying a quiet retreat. Beyond, the expansive family room features a cozy gas fireplace and sliding glass doors that open to a balcony overlooking the pool and canal, creating the perfect setting for relaxing or gathering with family and friends. The beautifully appointed kitchen offers granite countertops, bar seating, custom cabinetry, decorative tile backsplash, and stainless-steel appliances. A beautifully renovated guest bathroom on the main level showcases stylish, modern finishes. Three generously sized guest bedrooms feature luxury vinyl plank flooring, while the entire third floor is dedicated to an impressive owner's retreat with peaceful water views, a spacious walk-in closet, and an oversized walk-in attic for exceptional storage. The luxurious ensuite bath includes dual vanities, a large walk-in shower, and a relaxing jetted soaking tub. Thoughtfully updated throughout, this meticulously maintained home features freshly sanded and stained hardwood floors with brand-new carpet runner on the staircase (2026), a new closet in the fourth bedroom (2026), fresh exterior paint plus newly painted decks (2025), a new hot water heater (2025), new pool pump (2024), hurricane-impact windows across the front of the home, a new impact-rated downstairs slider (2022) plus a new roof (2020) and AC system (2020), providing years of worry-free living. The lower level offers an additional 288-square-foot climate-controlled bonus room with a half bath (not included in the heated square footage), ideal as a game room, fitness room, home office, or guest retreat with easy access to the pool. The oversized garage offers soaring ceilings, abundant storage, golf cart parking, and an additional bonus room perfect for an office, workshop, or extra storage. Life on Soundview Drive is about more than just owning a beautiful home—it's about becoming part of a vibrant community where neighbors quickly become friends. Walk or ride your golf cart to local restaurants, charming boutiques, and top-rated schools including Palm Harbor University High School. The Pinellas Trail is just around the corner, offering miles of scenic biking, walking, and running. Nearby Pop Stansell Park features a waterfront fishing pier, playground, and hosts the beloved Downtown Palm Harbor Community Market every third Saturday with live music, food trucks, local vendors, and family-friendly activities. You're just minutes from world-class golf at Innisbrook Golf Resort, waterfront dining, marinas, and the award-winning beaches of Honeymoon Island, where crystal-clear Gulf waters, sugar-white sand, and unforgettable sunsets await. If you've been searching for a home that combines waterfront living, timeless coastal charm, modern updates, and an unmatched community lifestyle, **760 Soundview Drive ** is the one you've been waiting for. Note-Furnishings are negotiable!

760 Soundview Drive, Palm Harbor
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