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$534,000

914 HARBOR CIRCLE, PALM HARBOR, FL 34683

3D Tour
Active45 days on market

Beds

3

Baths

2

Sq Ft

1,989 sq ft

Year Built

1986

Lot Size

0.17 acres

Garage

2

About This Property

Virtually Staged. NEW PRICE!! FANTASTIC LOCATION in Old Palm Harbor! This charming home is located in a quaint golf-cart-friendly community with NO HOA and NO flood insurance required, situated on a quiet street surrounded by well-maintained homes. Imagine hopping on your golf cart and being within approximately 1 mile of Downtown Palm Harbor, where you'll find fantastic restaurants, shops, breweries, and local hot spots. Plus, enjoy close proximity to top-rated schools! Featuring just under 2,000 square feet of living space, this spacious 3-bedroom, 2-bath home offers an oversized 2-car garage with abundant storage, an inside laundry room, and a wonderful layout that is much larger than it appears from the street. Major updates include a NEW ROOF (January 2024) and owned solar panels for energy-efficient living. Additional improvements include a 2019 fence, 2023 water heater, double-hung windows in all bedrooms and the family room (2011), reclaimed-water irrigation system, and custom hurricane shutters. Enter through the inviting screen-enclosed front porch into a spacious living room/dining room combination. Continue into the impressive great room featuring vaulted ceilings and original hardwood beams, adding warmth, charm, and character to the space. The centrally located kitchen was updated in 2016 and features custom cherrywood soft-close cabinetry, granite countertops, stainless steel appliances, a pull-out 4-tier spice drawer, and a deep stainless-steel sink. A convenient pass-through window opens to the lanai and provides a wonderful view of the backyard. Designed with entertaining in mind, the great room features pocket sliding doors that open completely to the expansive 33' x 13' screened lanai, creating an exceptional indoor-outdoor living space. The lanai is also accessible directly from the owner's suite through sliding glass doors. The spacious owner's suite offers a walk-in closet plus a second closet, an updated vanity with dual sinks and granite countertops, and a walk-in shower. The covered porches provide an additional 488 square feet of year-round living space, giving you even more room to relax and entertain. Step outside to your own fenced tropical backyard paradise, beautifully landscaped with butterfly-attracting flowers and huge banana trees. A 600+ square-foot brick paver patio stretches across the back of the home and leads to a cozy firepit area—perfect for entertaining, relaxing, and enjoying Florida's beautiful weather. With its exceptional location, spacious living areas, extensive updates, solar power, oversized garage, beautiful outdoor spaces, and easy golf-cart access to Downtown Palm Harbor, this is a special opportunity to enjoy the best of the Palm Harbor lifestyle!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7889005
StatusActive
Year Built1986
Total Rooms12
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionHARBOR PLACE
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile, Laminate
AppliancesDishwasher, Electric Water Heater, Range, Range Hood, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Sidewalk, Sliding Doors
FencingFenced, Wood
Lot Size0.17 acres (7,501 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Sprinkler Recycled, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$534,000
Original Price$559,000
Annual Taxes$186 (2025)
FinancingCash, Conventional, VA Loan
ZoningR-2
Parcel #012815362970000560

Schools

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

Directions

From US 19 OR Alt 19 take Nebraska Ave to South on 19th Street, to Georgia Ave to Harbor Circle

Location

914 HARBOR CIRCLE, PALM HARBOR, FL 34683

Listing Information

OfficeRE/MAX CHAMPIONS
ListedAugust 28, 2026

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Home Price

$534,000

20% ($106,800)
6.75%

Loan Term

Principal & Interest$2,771
Property Tax (est.)$490
Insurance (est.)$150
Total Monthly$3,410
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $534,000 home in PALM HARBOR.

🎖️

VA Loan

$0 Down

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

🏦

Conventional

$26,700 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 12, 2026.

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