Open House
Sunday, October 18 · 12:00 PM–2:00 PM
$575,000
4897 HARBOR WOODS DRIVE, PALM HARBOR, FL 34683
Beds
4
Baths
3
Sq Ft
1,924 sq ft
Year Built
1989
Lot Size
0.18 acres
Garage
—
About This Property
Welcome to your turnkey oasis on the Palm Harbor and Tarpon Springs border! Nestled within a quiet, highly desirable deed restricted community with incredibly low HOA fees, this meticulously updated ~1,900 sq ft home offers the ultimate blend of luxury, privacy, and peace of mind. Boasting an expansive 4 bedroom, 3 full bath layout including two private en suites (perfect for guests or multi-generational living), no detail has been overlooked. Every major system, along with the gourmet kitchen and all three bathrooms, has been completely modernized within the last four years. From the sleek contemporary finishes to the newly upgraded automated sprinkler system that keeps your curb appeal flawless, this property is truly better than new construction. Step through the doors and discover a unique architectural layout designed entirely around a spectacular central courtyard, where nearly every room in the house offers direct access to the pool patio. This seamless indoor outdoor flow leads you straight to your own private poolside paradise, featuring a sparkling saltwater pool that has been beautifully resurfaced and is protected by a brand new panoramic screen enclosure that maximizes your views of the lush surroundings. Backed by all new 2026 pool equipment and complete with a modest covered area on the patio perfect for shaded outdoor dining or escaping the afternoon sun, this low maintenance retreat is ready for year round entertaining. Best of all, you are just minutes away from top rated Pinellas County schools, pristine Gulf beaches, and the vibrant dining, shopping, and culture of the world famous Tarpon Springs Sponge Docks. Schedule your private tour today and step into a lifestyle where absolutely everything has already been done for you!
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Directions
Head West on Klosterman Road from US 19 N. Left onto Harbor Woods Dr. Follow to address.
Location
4897 HARBOR WOODS DRIVE, PALM HARBOR, FL 34683
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$575,000
Loan Term
How to Buy This Home
Multiple financing options available for this $575,000 home in PALM HARBOR.
🏛️
FHA Loan
$20,125 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
$28,750 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.