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$729,000

1598 VIRGINIA AVENUE, PALM HARBOR, FL 34683

3D Tour
Active24 days on market

Beds

3

Baths

2

Sq Ft

1,870 sq ft

Year Built

1987

Lot Size

0.22 acres

Garage

2

About This Property

Welcome to your Palm Harbor oasis, where everyday living feels a little more like a vacation! This beautifully maintained 3-bedroom, 2-bath home offers 1,870 sq ft of living space plus an approximately 350 sq ft enclosed Florida room that is not included in the listed square footage, giving you even more room to live, work and entertain. Step outside and you’ll find the true showstopper: a newly resurfaced heated saltwater pool and spa with a brand-new pool heater, all surrounded by a spacious screened lanai with full sliders overlooking the pool. Whether you’re hosting friends, enjoying a quiet morning coffee or cooling off after a day at the beach, this outdoor space is designed for Florida living. Low-maintenance landscaping makes it easy to enjoy without spending your weekends working in the yard. This home has been thoughtfully updated over the years, including a 2016 roof, 2018 fence, 2019 windows, 2019 AC, and 2025 pool deck and Florida Room windows. Additional recent improvements include a brand-new washer and dryer, new water heater, new water softener and a freshly painted exterior with paint specifically designed for Florida’s elements. The location is where this home really shines! Situated in a quiet, golf-cart-friendly neighborhood, you’re just moments from Palm Harbor’s restaurants, bars, shops and coffee shops. Hop on your golf cart and head to nearby Ozona for even more great restaurants, bars and a charming waterfront downtown. For those who love being on the water, three marinas and a boat ramp are less than a mile away, with the marinas also accessible by golf cart, making it easy to enjoy everything the Florida lifestyle has to offer. You’re also close to the Pinellas Trail and only about 3 miles from the Dunedin Causeway and Honeymoon Island for beach days, sunsets and everything in between. Several highly sought-after schools are nearby, including Elisa Nelson Elementary Center for Gifted Studies and Literacy Innovation and Palm Harbor University High School. Best of all, this home is located outside the flood zone with an elevation of over 60 feet, offering added peace of mind. With its thoughtful updates, flexible living space, resort-style outdoor living, golf-cart-friendly location and easy access to beaches, boating, dining and downtown amenities, this Palm Harbor gem is ready to be enjoyed!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8550914
StatusActive
Year Built1987
Stories1
Total Rooms3
ConstructionStucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionALLENS RIDGE -
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringCeramic Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Washer, Water Softener
LaundryInside
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorPrivate Entrance, Private Mailbox, Private Yard, Rain Gutters, Sidewalk, Sliding Doors
FencingFenced
Lot Size0.22 acres (9,601 sq ft)
Lot Dimensions86 x 123
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesHeated, In Ground, Salt Water, Screen Enclosure
SpaHeated, In Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Street Lights, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$300 / Annually
Senior CommunityNo

Financial Details

List Price$729,000
Annual Taxes$7,900 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1
Parcel #012815005060001380

Schools

ElementaryOzona Elementary-PN
MiddlePalm Harbor Middle-PN
HighPalm Harbor Univ High-PN

Directions

Heading east on Tampa Rd., turn left on Allen's Ridge Drive and then make a right on Virginia Avenue. House will be on the right.

Location

1598 VIRGINIA AVENUE, PALM HARBOR, FL 34683

Listing Information

OfficeKELLER WILLIAMS REALTY PORTFOLIO COLLECTION
ListedSeptember 23, 2026

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Scheduling is free, and you can cancel anytime.

Home Price

$729,000

20% ($145,800)
6.75%

Loan Term

Principal & Interest$3,783
Property Tax (est.)$668
Insurance (est.)$150
Total Monthly$4,601
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $729,000 home in PALM HARBOR.

🏛️

FHA Loan

$25,515 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$36,450 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 17, 2026.

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