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$799,000

1304 TREETOP DRIVE, PALM HARBOR, FL 34683

3D Tour
Active22 days on market

Beds

5

Baths

4

Sq Ft

3,420 sq ft

Year Built

1985

Lot Size

0.49 acres

Garage

2

About This Property

Multi generational home! Welcome to this spacious 3,400-square-foot multigenerational home, offering an exceptional combination of space, flexibility, and privacy. Situated on nearly half an acre, this unique split-level property features 4 bedrooms, 2½ bathrooms, a 2-car garage, a birdcage-enclosed pool, and an impressive 840-square-foot mother in-law suite. Step inside on the main level, where you’ll find a welcoming eat-in kitchen, living room, and formal dining room. The kitchen and main living areas feature attractive and easy-care luxury vinyl plank flooring. Just off the kitchen is a large family room with a wood-burning fireplace, creating a warm and inviting space for family gatherings and entertaining. From both the kitchen and family room, step into the huge enclosed porch, providing an abundance of additional space for relaxing and entertaining while overlooking the pool and outdoor area. With nearly half an acre of property and a birdcage-enclosed swimming pool, there is plenty of room to enjoy the Florida lifestyle both indoors and out. Additionally the house has all the hurricane shutters including the protection for the covered porch and covered patio. A conveniently located laundry room is situated just off the family room and provides easy access to the large 2-car garage. One of the home's most distinctive features is the 840-square-foot in-law suite. This spacious, open studio-style suite includes its own full bathroom and kitchenette, with plenty of room to comfortably create separate areas for sleeping, dining, relaxing, and watching TV. It offers an excellent setup for extended family, multigenerational living, guests, or anyone who would benefit from a private living space while remaining connected to the main home. Additional features and updates include air conditioning installed in 2017, roof replaced in 2011, water heater replaced in 2020, and luxury vinyl plank flooring throughout the kitchen and main living areas. With approximately 3,400 square feet of living space, an oversized lot, multiple gathering areas, a huge enclosed porch, private pool, and an exceptionally spacious in-law suite, this home provides the room and versatility to accommodate multiple generations under one roof while still allowing everyone their own space and privacy. Less than 10 miles from Clearwater Beach it is an ideal location and place to live

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8551304
StatusActive
Year Built1985
Total Rooms8
ConstructionVinyl Siding
RoofShingle
FoundationBasement, Concrete Perimeter, Slab
FacesNorth
SubdivisionINDIAN TRAILS ADD
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile, Luxury Vinyl
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Inside, Laundry Room
WindowsDrapes, Rods, Shades
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()

Exterior & Lot

ExteriorBalcony, Garden, Hurricane Shutters, Irrigation System, Lighting, Sidewalk, Sliding Doors
FencingWood
Lot Size0.49 acres (21,475 sq ft)
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesGunite
SpaIn Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Available, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$250 / Annually
Senior CommunityNo

Financial Details

List Price$799,000
Original Price$899,000
Annual Taxes$9,763 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-2
Parcel #362715429820000340

Directions

From Keene Rd going North Turn East on Alderman to Indian Trail E to Treetop. Last house on the left

Location

1304 TREETOP DRIVE, PALM HARBOR, FL 34683

Listing Information

OfficeSTONEBRIDGE REAL ESTATE CO
ListedSeptember 25, 2026

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Scheduling is free, and you can cancel anytime.

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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How to Buy This Home

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

🏛️

FHA Loan

$27,965 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

$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: October 17, 2026.

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