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$799,000

1109 BELCHER ROAD, PALM HARBOR, FL 34683

3D Tour
Active703 days on market

Beds

5

Baths

4

Sq Ft

3,196 sq ft

Year Built

1905

Lot Size

1.02 acres

Garage

—

About This Property

Property is located in unincorporated Pinellas County, current zoning allows certain business uses. Historical property right near the heart of downtown Palm Harbor. This home is on a 1 acre MOL lot. The 3,196 sqft residence offers a perfect setting for both residential and commercial use. As you arrive you will see a wrap-around porch in the front, there are hooks ready for porch swings to be placed. When you step inside you will notice the layout has optimal use for however you chose to use the space - office, play rooms, living room, gym etc. The primary bedroom on the first floor has french doors to enter, through those doors is a large space aside from the bedroom that can be used as an extra space for an office, storage, etc. With a full private bathroom attached. The kitchen has recent updates and offers seamless access to the large deck in the backyard that is perfect for any outdoor activities such as relaxation, gatherings, bon fires, gardening etc. Attached to the kitchen is the laundry room leading into bathroom for easy access from the backyard and kitchen. Spacious formal dining area between the kitchen and living room. Upstairs, you’ll find three spacious bedrooms, each providing lots of comfort for family and guests. Whether you envision it as your forever home or a unique commercial space, this property stands out with its versatile layout and prime location. Large 1 acre lot offers plenty of room for expansion and growth. Plenty of room for parking, a pool, multi-car garage, etc. Roof was replaced 7/2016 with peel & stick underlayment.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #T3551452
StatusActive
Year Built1905
Total Rooms3
ConstructionWood Frame
RoofShingle
FoundationCrawlspace
FacesEast
SubdivisionSUTHERLAND TOWN OF
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Primary Bedroom Main Floor
FlooringTile, Hardwood
AppliancesDishwasher, Disposal, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorFrench Doors, Private Mailbox, Sidewalk
Lot Size1.02 acres (44,231 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$799,000
Original Price$1,100,000
Annual Taxes$8,474 (2023)
FinancingCash, Conventional
ZoningA-E
Parcel #012815885600760004

Schools

ElementaryHighland Lakes Elementary-PN
MiddlePalm Harbor Middle-PN
HighPalm Harbor Univ High-PN

Directions

Belcher Rd just south of the corner of Nebraska, to address (on the west side of Belcher).

Location

1109 BELCHER ROAD, PALM HARBOR, FL 34683

Listing Information

OfficeABI ROAD REALTY LLC
ListedAugust 25, 2024

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Home Price

$799,000

20% ($159,800)
6.75%

Loan Term

Principal & Interest$4,146
Property Tax (est.)$732
Insurance (est.)$150
Total Monthly$5,028
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $799,000 home in PALM HARBOR.

🏦

Conventional

$39,950 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: August 20, 2026.

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