$625,000
13 FRESHWATER, PALM HARBOR, FL 34684
Beds
4
Baths
2
Sq Ft
2,064 sq ft
Year Built
1969
Lot Size
0.17 acres
Garage
0
About This Property
LAKE TARPON WATERFRONT. PRIVATE DOCK. ROOM TO SPREAD OUT. Looking for waterfront living without the Gulf-front price tag? Welcome to 13 Freshwater Drive in Palm Harbor, where boating, beautiful water views, and a little extra privacy come together. Situated at the END OF THE ROAD with NO IMMEDIATE NEIGHBOR ON THE LEFT, this ELEVATED TWO-STORY HOME offers a setting that's hard to duplicate. And with a PRIVATE DOCK AND BOAT LIFT, Lake Tarpon becomes part of your everyday lifestyle. Spend the afternoon on the water, cruise over to Tarpon Turtle for waterfront dining, or simply enjoy the view from home. Inside, the TWO SEPARATE LIVING LEVELS offer incredible flexibility. Upstairs features the main kitchen, living spaces, bedrooms, and a Florida room with fireplace. Downstairs has its OWN ENTRANCE, KITCHENETTE, bedroom, bathroom, and additional living space, creating options for guests, extended stays, hobbies, or working from home. Outside, enjoy tropical landscaping, screened outdoor spaces, a hot tub, above-ground pool, and plenty of places to relax or entertain along the waterfront. If you've been searching for a WATERFRONT HOME WITH CHARACTER, BOATING ACCESS, PRIVACY, AND A FLEXIBLE FLOOR PLAN, 13 Freshwater Drive deserves a closer look. Schedule your private showing and experience Lake Tarpon living for yourself.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
19 to Cypres drive to left on freshwater. home is nestled on the right hand side corner end.
Location
13 FRESHWATER, PALM HARBOR, FL 34684
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$625,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $625,000 home in PALM HARBOR.
🏛️
FHA Loan
$21,875 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
$31,250 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 20, 2026.