Palm Harbor Homes with X Flood Zone

Palm Harbor Homes with X Flood Zone

Welcome to Palm Harbor, a charming city located in Pinellas County, Florida. Known for its picturesque landscapes, vibrant community, and a wide range of recreational activities, Palm Harbor offers the perfect blend of tranquility and convenience.

One of the standout features of homes in Palm Harbor is their location in the X Flood Zone, providing residents with peace of mind and added protection against flooding. This designation means that these properties are located in an area where the risk of flooding is minimal, making them an attractive option for homebuyers looking for a secure investment.

Whether you're looking for a cozy bungalow, a spacious family home, or a luxurious waterfront property, Palm Harbor has something to offer for everyone. With top-rated schools, shopping centers, restaurants, and outdoor amenities nearby, this city provides a high quality of life for its residents.

From enjoying a round of golf at the prestigious Innisbrook Resort to exploring the scenic beauty of the Wall Springs Park, there is no shortage of things to see and do in Palm Harbor. With its convenient location near the Gulf Coast beaches and major metropolitan areas, Palm Harbor truly embodies the best of Florida living.

If you're ready to make Palm Harbor your home, explore the available properties in the X Flood Zone and discover the perfect place to settle down in this idyllic city.

Newest Palm Harbor Homes with X Flood Zone

$280,000
2 Beds ⋅ 2 Baths ⋅ Fox Lake Twnhms SubDv. ⋅ 34683 Zip Code ⋅ TB8537055 MLS ⋅ Active Status
Experience the ease of Florida living in this meticulously maintained, move-in ready 2-bedroom, 2-bath villa in the gated community of Fox Lake. Whether your weekends are spent relaxing by the heated pool, enjoying a game of pickleball or tennis, biking the nearby Pinellas Trail, exploring Downtown Dunedin, strolling the Tarpon Springs Sponge Docks, or soaking up the sun at Honeymoon Island and other award-winning Gulf beaches, you’ll love coming home to this peaceful Palm Harbor retreat. Surrounded by mature oak trees and beautifully maintained landscaping, this home offers a tranquil setting with a welcoming courtyard entrance and a quiet screened lanai overlooking lush greenery, creating the perfect place to enjoy your morning coffee or unwind in the evening. Inside, you’ll find laminate and tile flooring throughout, generously sized bedrooms, shutter-style windows, updated lighting, smart home technology, and abundant storage. Both bedrooms have exceptional space and privacy in a split-bedroom layout, each with connecting dual closets. The primary suite bathroom features double sinks with granite countertops, and an updated tiled walk-in shower with a frameless glass enclosure. The secondary bathroom has also been beautifully updated with granite countertops and a full bathtub. The open-concept kitchen and living room are designed for everyday living and effortless entertaining. The kitchen with granite countertops, an extended breakfast bar, a large deep sink, newer Whirlpool microwave, French-door refrigerator, and the living with an effortless sliding glass door that opens to the screened lanai. Additional upgrades include a Carrier HVAC system (March 2021), 2016 roof, new Samsung washer and dryer, updated lighting, lighted ceiling fan on the lanai, and a spacious exterior storage room. Located in high-and-dry Flood Zone X, no flood insurance is required. The HOA is just $414 a month and includes gated entry, cable, high-speed internet, water, sewer, trash, exterior landscaping, exterior painting, pressure washing, and pest prevention—making homeownership truly low maintenance. Offering exceptional rental flexibility, this property allows short-term, seasonal, and annual rentals, making it an excellent option for both full-time residents and those seeking an investment opportunity or a Florida getaway with income potential. Perfectly positioned in the heart of Palm Harbor between US Highway 19 and Belcher Road, you’ll enjoy quick access to everything while also having the option of the scenic drive along Belcher. Whether you’re heading to Clearwater, Dunedin, Tarpon Springs, Safety Harbor, St. Petersburg, Tampa International Airport, shopping, dining, parks, or everyday conveniences, everything is just minutes away. Zoned for highly rated Sutherland Elementary, Palm Harbor Middle, and Palm Harbor University High School, this turnkey home delivers the perfect blend of comfort, style, location, and value in one of Palm Harbor’s most desirable gated communities.

3067 Pointer Drive, Palm Harbor
$400,000
3 Beds ⋅ 2 Baths ⋅ Sunshine Estates SubDv. ⋅ 34684 Zip Code ⋅ TB8527106 MLS ⋅ Active Status
UPDATED & MOVE-IN READY GEM IN DESIRABLE SUNSHINE ESTATES! Welcome to this beautifully maintained 3-BEDROOM, 2-BATHROOM SINGLE-FAMILY HOME situated in one of Palm Harbor’s most sought-after neighborhoods with TOP-RATED SCHOOL ZONING (Highland Lakes Elementary, Carwise Middle, and Palm Harbor University High)! Offering 1,325 SQ FT OF LIGHT-FILLED LIVING SPACE, this home features a functional SPLIT-BEDROOM FLOOR PLAN designed for ultimate privacy, modern VINYL FLOORING THROUGHOUT, and NO HOA OR CDD FEES! WHAT'S NEW: A NEW KITCHEN featuring WHITE SHAKER CABINETS, GORGEOUS QUARTZ COUNTERTOPS, a LARGE ISLAND, and a spacious PANTRY, along with BOTH BATHROOMS COMPLETELY REMODELED during the 2018 home renovation! Enjoy complete peace of mind with a 2016 HVAC SYSTEM, 2016 WATER HEATER, 2020 stainless steel range/refrigerator/microwave, 2022 dishwasher, replacement windows throughout, and a WHOLE-HOME WATER FILTRATION SYSTEM. Step through the sliding glass doors to outdoor relaxation on your private patio overlooking a FULLY FENCED BACKYARD with plenty of room to play or entertain. Complete with an ATTACHED 2-CAR GARAGE, WASHER AND DRYER INCLUDED, and an X FLOOD ZONE designation (no mandatory flood insurance), this pristine home is located just minutes from DOWNTOWN PALM HARBOR, THE PINELLAS TRAIL, AND HONEYMOON ISLAND STATE PARK!

3229 Spanish Moss Lane, Palm Harbor
$719,000
4 Beds ⋅ 3 Baths ⋅ Bridlewood At Tarpon Woods Ph Ii SubDv. ⋅ 34685 Zip Code ⋅ TB8535695 MLS ⋅ Active Status
Virtually Staged. Welcome home to this exceptional 4-bedroom, 3-bath, 3-car garage pool home featuring a desirable three-way split floor plan in the sought-after Tarpon Woods community. From the moment you arrive, you'll appreciate the inviting curb appeal and thoughtfully designed layout that perfectly balances elegant entertaining with comfortable everyday living. Double front doors welcome you into an impressive foyer, where the formal dining room is positioned to the right and the spacious formal living room unfolds ahead. Sliding glass doors seamlessly connect the living room to the expansive screened lanai, creating effortless indoor-outdoor living year-round. Privately situated on the left wing of the home, the luxurious primary suite is a true retreat. Filled with natural light, this spacious sanctuary features bamboo wood flooring, private lanai access, elevated windows with decorative display shelving, and dual walk-in closets. The spa-inspired en suite bath offers dual vanities with abundant storage, a jetted soaking tub, an oversized walk-in shower, and a private water closet. Designed as the heart of the home, the open-concept kitchen overlooks both the family room and breakfast nook, making it ideal for gathering with family and friends. The kitchen showcases timeless white shaker cabinetry, stainless steel appliances, recessed lighting, a center island with breakfast bar seating, and generous workspace. The adjoining breakfast nook enjoys beautiful views of the pool, while the inviting family room features a stunning fireplace, custom architectural niches, and sliding glass doors leading to the lanai. The home's thoughtful split-bedroom design provides exceptional privacy, and all three secondary bedrooms have new flooring as of July 2025! A pocket door separates the fourth bedroom and adjacent full bath with walk-in shower, making it an ideal guest suite, home office, or in-law space. This bath also provides convenient access to the pool. Near the kitchen is access to the two additional bedrooms, which is also separated by a pocket sliding door to elevate privacy. Both bedrooms offer spacious closets and share a well-appointed full bath, which had a complete remodel - new tile flooring & cabinets! Additional highlights include a spacious laundry room complete with upper cabinetry, utility sink, storage closet, and direct access to the oversized three-car garage. Step outside to your private Florida oasis. The expansive screened lanai offers generous covered living and dining areas overlooking the sparkling pool, creating the perfect setting for relaxing, entertaining, or enjoying Florida's beautiful weather throughout the year. The mature landscaping offers privacy as well. Ideally located in the desirable Tarpon Woods area, this home offers convenient access to the East Lake corridor, Tampa Road, Tampa International Airport, Gulf beaches, championship golf, shopping, dining, parks, and top-rated amenities. Combining an exceptional floor plan, outstanding indoor-outdoor living, and an unbeatable location, this beautiful home is ready to welcome its next owner. Don't miss your opportunity to make your Florida dream a reality.

5501 Stag Thicket Lane, Palm Harbor
$23,000
1 Beds ⋅ 1 Baths ⋅ Tarpon Lakeview Mobile Home Park SubDv. ⋅ 34684 Zip Code ⋅ TB8536639 MLS ⋅ Active Status
Unit #48 - Tarpoon Lakeview 55+ community - apply to be in park for acceptance - Tarpon Lakeview Mobile Home Park - lot rent $700 Peaceful well maintained 1 bedroom 1 bath - 1000sq ft - minimal repairs required - 1 spot covered carport - metal roof Very motivated seller - quick close preferred - seller financing available - price negotiable

37376 Us Highway 19 N Unit 48, Palm Harbor
$242,500
2 Beds ⋅ 2 Baths ⋅ Highland Lakes Condo SubDv. ⋅ 34684 Zip Code ⋅ TB8535599 MLS ⋅ Active Status ⋅ 1339 BLDG.
Nearly a new unit. All walls have been textured, new luxury vinyl plank flooring throughout surrounded by 5.25" white baseboards. The LR has been updated to include a new ledger rocked wall with fireplace that can also be used as a heater for the evenings when you just want to take the chill out of the air. The wall has also been designed structurally to accomodate a hanging tv. The kitchen has been opened up to provide a peninsula that allows for counter seating and has been extended to include a coffee bar with wine frdge along with a newly constructed pantry closet featuring a glass paneled barn door closure. The primary bedroom is both ample in size (17.5' x 10.8) and natural light. It includes a walk in closet along with an ensuite bath that features new large format tile shower wall and a custom wall niche, anew vanity and light. The bright and light guest bedroom is also good size with a double closet. The guest bathalso features new large format tile, larger vanity and new light. The sunroom is enclosed and offers an encaustic tiled floor and air conditioning. The community amenities are country club quality featuring 3 golf courses, pool(s), exercise equipment, auditorium, bocce, tennis/pickleball, shuffleboard, pontoon boats that can be captained to take you to eatery on Lake Tarpon. The community sits on Lake Tarpon and has an additional Clubhouse Lodge with pool and Lake access. And if you prefer to bring your own boat (or RV) there is a separate secured parking area on site.

1339 Queen Anne Drive Unit C, Palm Harbor
$640,000
2 Beds ⋅ 2 Baths ⋅ Innisbrook SubDv. ⋅ 34683 Zip Code ⋅ TB8536561 MLS ⋅ Active Status ⋅ Troon BLDG.
Virtually Staged. Welcome to this spacious first-floor condo in the highly sought-after Troon building at Innisbrook—where comfort, convenience, and resort-style living come together in one of the community’s premier permanent buildings. One of the home’s standout features is the under-building shared parking GARAGE, offering two dedicated parking spaces, along with two oversized, locked temperature-controlled storage closets—one located in the garage and the other off the patio. These spaces are perfect for bicycles, seasonal décor, golf equipment, or additional household storage. An ELEVATOR provides effortless access from the garage, making grocery trips and everyday living a breeze. Step inside to a thoughtfully designed floor plan featuring 2 bedrooms, 2 bathrooms, and a versatile den. The den is ideal as a home office, hobby room, additional living space—or it can even be converted into a third bedroom. The spacious laundry room includes a utility sink, plus extra space for a small desk or additional storage. Brand NEW water heater(2026). The beautifully updated kitchen offers elegant granite countertops, stylish cabinetry, a range hood, and additional cabinetry beneath the breakfast bar for added storage. Travertine tile flooring extends through the main living areas and the second bedroom, adding warmth and timeless appeal. The generous primary suite provides abundant closet space, and the en-suite bath features a relaxing jetted Jacuzzi tub along with a separate walk-in shower. With open, inviting living areas, there’s plenty of room for family and guests to gather and unwind. Enjoy Florida living at its best from the expansive wraparound patio, offering peaceful views of mature trees and natural surroundings—perfect for morning coffee, entertaining friends, or simply relaxing in the sunshine. Living at Innisbrook means enjoying an unmatched resort lifestyle. Take a stroll to the Salamander Grill at the Osprey Clubhouse for a delicious meal, visit Fairways Coffee Shop for your favorite Starbucks beverage, and head to the Loch Ness Pool for an afternoon swim and poolside dining. For fine dining, Packard’s Steakhouse is just moments away. Members also enjoy convenient access to the fitness center, Salamander Spa, and countless recreational amenities. Innisbrook is home to the renowned Valspar Championship on the Copperhead course along with 3 other golf courses, six swimming pools, four restaurants, tennis courts, pickleball courts, spa and fitness center, and a playground area. Location completes the package: approximately 23 miles from Tampa International Airport, about 15 miles from the award-winning Clearwater beaches, and just minutes from the charming waterfront communities of Dunedin, Tarpon Springs, and St. Petersburg. Experience the beauty, luxury, and effortless lifestyle that make Innisbrook one of Tampa Bay’s most desirable resort communities. Schedule your private showing today!

36750 Us Highway 19 Unit 26-102, Palm Harbor
$539,000
3 Beds ⋅ 3 Baths ⋅ Hamlet At Bentley Park Ph Ii SubDv. ⋅ 34684 Zip Code ⋅ TB8534830 MLS ⋅ Active Status
Rarely does a home present this combination of extensive updates, hurricane-impact windows and doors, a heated saltwater fiberglass pool, and a non-flood zone location—all in one of Palm Harbor's most sought-after communities. Welcome to 3213 Montrose Circle in Bentley Park. This meticulously maintained 3-bedroom, 2.5-bath home with a 2-car garage has been thoughtfully updated from top to bottom, offering the perfect blend of style, comfort, and peace of mind. Located in a non-flood zone, non-evacuation zone, and zoned for A-rated schools, this move-in-ready home allows you to enjoy the best of Florida living without the worry of costly future projects. Step inside and you'll immediately appreciate the bright, open floor plan, soaring ceilings, and distinctive sunken living room that adds architectural character rarely found in today's homes. Beautiful wood-look porcelain tile spans the main level, while luxury vinyl plank flooring upstairs, fresh interior and exterior paint, updated lighting, new baseboards, and modern finishes create a warm, welcoming space that's ready to enjoy from day one. The backyard is where this home truly sets itself apart. Designed for year-round enjoyment, the private outdoor retreat features one of the few heated saltwater fiberglass pools in the neighborhood, surrounded by an expansive paver patio and lush tropical landscaping—perfect for entertaining, relaxing, or spending weekends with family and friends. The long list of major improvements means the next owner can move in with confidence. Highlights include a 2020 roof, PGT Winguard hurricane-impact windows and doors (2022), 2018 HVAC system with a newly installed UV air purification system, two upstairs mini-split systems (2025), a whole-home water filtration system, alkaline kitchen water dispenser, new pool pump and salt cell, updated lighting and fixtures, and countless additional upgrades throughout. Bentley Park offers tree-lined streets, sidewalks, a community pool, tennis and basketball courts, playgrounds, and a low HOA—all just minutes from John Chesnut Sr. Park, Lake Tarpon, the Pinellas Trail, shopping, dining, championship golf courses, award-winning Gulf beaches, and Tampa International Airport. Beautifully updated, exceptionally maintained, and truly move-in ready, this is more than just a home—it's a place where you can settle in, make memories, and enjoy the Florida lifestyle from day one.

3213 Montrose Circle, Palm Harbor
$235,000
2 Beds ⋅ 2 Baths ⋅ Villas Of Beacon Groves SubDv. ⋅ 34683 Zip Code ⋅ TB8536547 MLS ⋅ Active Status
Welcome to this beautifully updated two-bedroom, two-bathroom villa in the Villas of Beacon Groves in Palm Harbor, where modern upgrades meet an unbeatable location. Featuring a brand-new 2026 water heater, fresh interior paint, new luxury vinyl plank flooring, updated lighting, ceiling fans, and stylish finishes throughout, this move-in-ready home is sure to impress. The open floor plan offers a seamless flow between the kitchen, dining area, and spacious living room, creating the perfect space for both everyday living and entertaining. The updated kitchen features new stainless steel appliances, a charming breakfast nook, and an open view of the main living area. Crown molding adds an elegant touch throughout the home. The desirable split-bedroom floor plan provides privacy, with the spacious primary suite offering a walk-in closet and an updated en-suite bathroom featuring a new vanity, new tile shower, modern lighting, mirror, and fixtures. The guest bathroom has also been tastefully renovated with a new vanity, lighting, mirror, fixtures, and has a tub/shower combo. Relax and unwind on your enclosed porch that provides convenient washer and dryer hookups along with additional storage or flex space. Monthly fee includes trash, sewer, cable TV, internet, and more. Residents of Villas of Beacon Groves enjoy access to two community pools and a prime Palm Harbor location just minutes from shopping centers, a wide variety of dining options, championship golf at Innisbrook, beautiful parks, and a short drive to the award-winning Gulf beaches. Whether you're looking for a full-time residence, seasonal getaway, or low-maintenance lifestyle, this beautifully updated villa is ready to welcome you home. Schedule your showing today!

2265 Bancroft Circle S Unit C, Palm Harbor
$675,000
4 Beds ⋅ 2 Baths ⋅ Country Oak Estates SubDv. ⋅ 34683 Zip Code ⋅ TB8535819 MLS ⋅ Active Status
Welcome to this well-maintained four-bedroom, two-bathroom pool home offering 2,321 square feet of thoughtfully designed living space in Palm Harbor. Situated on a spacious corner lot at the end of a dead-end street with no neighbors on one side, this home features a brand-new 2026 roof, 2025 water heater, fresh interior paint, a three-car garage, and an impressive list of upgrades designed for comfortable Florida living. A welcoming foyer leads into the home where you'll find soaring ceilings, wood-look tile flooring, and an open, split-bedroom floor plan that provides both privacy and functionality. The spacious living areas flow seamlessly together, creating the perfect setting for everyday living and entertaining. The kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, rich wood cabinetry, a separate pantry, and ample counter space overlooking the main living areas. A separate dining room offers the ideal space for hosting family dinners and special occasions. Privately situated on one side of the home, the expansive primary suite serves as a relaxing retreat with French doors leading directly to the screened lanai and pool area. The oversized en-suite bathroom features a dual sink vanity, soaking tub, glass-enclosed walk-in shower, and two walk-in closets, providing exceptional storage and convenience. Three additional bedrooms are located on the opposite side of the home, offering flexibility for family, guests, or a home office. The secondary bathroom includes direct access to the pool, making outdoor entertaining effortless. Step outside to your own backyard oasis where the recently resurfaced private pool takes center stage. The pool pump was replaced earlier this year, and the solar pool heater with Bluetooth controls allows you to easily manage the water temperature from your smartphone. The screened lanai features a motorized privacy screen and LED lighting throughout the enclosure, creating the perfect atmosphere for relaxing evenings or entertaining guests. Beyond the screened enclosure, a spacious wooden deck provides an additional outdoor living space, ideal for lounging in the Florida sunshine. Conveniently located near top-rated schools, shopping centers, a variety of dining options, and just a short drive to the beautiful Gulf beaches, this exceptional Palm Harbor home offers the perfect combination of space, privacy, updates, and an unbeatable location. Schedule your showing today!

605 Tomoka Drive, Palm Harbor
$360,990
3 Beds ⋅ 3 Baths ⋅ Harbor Landing SubDv. ⋅ 34683 Zip Code ⋅ A4702257 MLS ⋅ Active Status ⋅ - BLDG.
Receive up to $20,000 towards closing costs and special interest rates with the use of our preferred lender - Now through Sunday, August 30th. MOVE IN READY! This thoughtfully designed community combines modern living with the natural beauty of the area, offering residents the perfect balance of comfort and convenience. With open-concept floorplans, energy-efficient features, and stylish finishes, Harbor Landing is an ideal place to call home. This community features the Pearson floorplan, providing 1,464 square feet of spacious living with 3 bedrooms and 2.5 baths. Designed to meet the needs of families and individuals alike, each townhome offers a spacious driveway with enough space for up to two additional cars, ensuring ample parking for residents and guests. Active lifestyles will thrive in this location, with recreational sports facilities, golf courses and outdoor multi-use parks nearby, perfect for the entire family. Harbor Landing is situated along the Fred Marquis Pinellas Trail. The trail stretches form Tarpon Springs to north St. Petersburg and is utilized for walking, jogging, and cycling.

4677 Pleasant Avenue, Palm Harbor
$260,000
2 Beds ⋅ 2 Baths ⋅ Dolly Bay A Village On Lake Tarpon SubDv. ⋅ 34684 Zip Code ⋅ TB8535495 MLS ⋅ Active Status ⋅ 2533 BLDG.
Discover the perfect blend of comfort, style, and convenience in this beautifully updated 2-bedroom, 2-bath condo offering an impressive 1,635 square feet of living space. Designed for easy, low-maintenance living, this home features tile flooring throughout, creating a bright, modern look that’s both stylish and practical. Enjoy peace of mind with a new A/C installed in 2026. The updated kitchen is equipped with granite countertops and newer stainless steel appliances, including a refrigerator, range, microwave, and dishwasher. Entertain with ease at the dry bar complete with a built-in wine fridge, while the included washer and dryer add everyday convenience. Both bedrooms have wood flooring and are generously sized and complemented by abundant closet space throughout the home, providing exceptional storage. The thoughtfully designed floor plan offers comfortable living areas while maintaining privacy where it matters most. Unwind on the screened-in porch overlooking peaceful, lush greenery with no rear neighbors—your own private retreat to enjoy morning coffee or evening relaxation. Perfectly situated in the heart of Palm Harbor, you’ll be just minutes from shopping, dining, beautiful Gulf beaches, Lake Tarpon, Tampa International Airport, and highly rated Palm Harbor schools. Whether you’re searching for a spacious primary residence, a seasonal getaway, or a low-maintenance Florida lifestyle, this move-in-ready condo offers the perfect combination of modern updates, generous living space, and an unbeatable location. Schedule your private showing today!

2533 Dolly Bay Drive Unit 105, Palm Harbor
$325,000
2 Beds ⋅ 2 Baths ⋅ Franklin Square Ph Iii SubDv. ⋅ 34683 Zip Code ⋅ TB8536085 MLS ⋅ Active Status
Welcome to your charming single-family home in the heart of Palm Harbor, Florida, where comfort, convenience, and low-maintenance living come together. Perfect for first-time homebuyers, downsizers, seasonal residents, or anyone searching for a move-in-ready home in one of Pinellas County's most desirable communities, this beautifully maintained 2-bedroom, 2-bathroom residence offers a functional split-bedroom floor plan designed for both privacy and everyday living. Step inside to discover soaring vaulted ceilings that create an open, airy feel, complemented by durable porcelain tile flooring throughout the main living areas and kitchen. The spacious living room flows seamlessly into the dining area, making entertaining family and friends effortless, while ceiling fans throughout the home provide year-round comfort. The thoughtfully designed split floor plan places each bedroom on opposite sides of the home, making it ideal for guests, roommates, or a dedicated home office. Both bathrooms are conveniently located, providing comfort and functionality for everyday living. Situated on a desirable corner lot, this property offers added privacy, enhanced curb appeal, and a generously sized fenced backyard perfect for pets, gardening, outdoor entertaining, or simply enjoying Florida's beautiful weather. A storage shed provides additional space for tools, lawn equipment, or recreational gear, while the attached one-car garage adds convenience and extra storage. One of the home's most attractive features is its exceptional value through the HOA, which includes cable, high-speed internet, water, sewer, trash service, lawn maintenance, and access to the community pool. Enjoy a true lock-and-leave lifestyle with many of the major monthly expenses already covered, giving you more time to enjoy everything Palm Harbor has to offer. Ideally located near award-winning Gulf beaches, championship golf courses, the scenic Pinellas Trail, John Chesnut Sr. Park, local restaurants, shopping, top-rated schools, and vibrant downtown Dunedin and Tarpon Springs, this home places you in the center of Florida's sought-after Gulf Coast lifestyle.

888 Franklin Circle, Palm Harbor
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