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$465,000

22 CYPRESS DRIVE, PALM HARBOR, FL 34684

Active1 days on market

Beds

3

Baths

2

Sq Ft

1,495 sq ft

Year Built

1987

Lot Size

0.15 acres

Garage

2

About This Property

Superb waterfront home situated on a corner canal lot with wraparound deck provides spectacular sunsets AND sunrises across the glistening Lake Tarpon waters right in your own yard providing for ultimate lakefront living. This 3/2/2 two story home includes a 2 car garage along with a fenced slab providing locked in security for your boat/RV with no more storage fees and is in addition to the double driveway. Due to the Southwest Florida Water Management District (SWFWMD) none of the 2024 hurricanes affected this waterfront area as the system manages water flow to prevent flooding during heavy rains and to maintain water quality and balance ecological health with flood control during dry periods. The S-551 structure is designed to temporarily store excess water during storms, releasing it at a controlled rate. NO flooding. Anglers can catch a variety of fish species such as largemouth bass, crappie, bluegill and catfish as well as great places to dock and enjoy some food. Upon entering the home you are greeted with an open floor plan downstairs with vaulted ceilings leading to the kitchen with stainless steel appliances. The family room provides a dining area, wet bar and large storage closet. You will find the third bedroom/office with access to the waterfront deck conveniently located on the first level along with a full bathroom. Upstairs are two oversized bedrooms with a Jack-and-Jill shared full bathroom. The primary bedroom has beautiful views of the canal waters. The property boasts of new central heat/air conditioning, new roof, new windows, new front door, seawall stabilization. Clear 4 Point inspection. Regretfully must sell at this time due to Job transfer.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6450138
StatusActive
Year Built1987
Total Rooms8
ConstructionVinyl Siding, Wood Frame, Wood Siding
RoofShingle
FoundationStem Wall
FacesSouth
SubdivisionLAKE SHORE ESTATES 3RD ADD
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, PrimaryBedroom Upstairs, Vaulted Ceiling(s), Wet Bar
FlooringCarpet
AppliancesConvection Oven, Dishwasher, Dryer, Electric Water Heater, Microwave, Washer
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Lighting
Lot Size0.15 acres (6,534 sq ft)
Road SurfacePaved
0

Waterfront

WaterfrontYes
FeaturesCanal - Freshwater

Utilities

WaterCanal/Lake For Irrigation, Public
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$465,000
Annual Taxes$4,294 (2025)
FinancingCash, Conventional, Other
ZoningR-3
Parcel #302716485460000220

Schools

ElementaryHighland Lakes Elementary-PN
MiddleTarpon Springs Middle-PN
HighTarpon Springs High-PN

Directions

Drive north on US 19/US Highway 19. Right to Cypress Drive. Left to Freshwater Drive. Property is on the right.

Location

22 CYPRESS DRIVE, PALM HARBOR, FL 34684

Listing Information

OfficeBEYCOME OF FLORIDA LLC
ListedOctober 15, 2026

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Home Price

$465,000

20% ($93,000)
6.75%

Loan Term

Principal & Interest$2,413
Property Tax (est.)$426
Insurance (est.)$150
Total Monthly$2,989
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $465,000 home in PALM HARBOR.

🏦

Conventional

$23,250 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 16, 2026.

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