Palm Harbor Homes with Waterfront

Palm Harbor Homes with Waterfront

Welcome to Palm Harbor, a charming city located in Pinellas County, Florida. Known for its beautiful waterfront homes, Palm Harbor offers residents a tranquil and picturesque lifestyle.

Situated along the Gulf of Mexico, Palm Harbor boasts stunning views and a variety of water activities for residents to enjoy. Whether you're looking to go boating, fishing, or simply relax on the sandy beaches, the waterfront homes in Palm Harbor provide the perfect setting for those seeking a coastal lifestyle.

With a true waterfront setting, these homes offer direct access to the water, allowing residents to indulge in their favorite water sports or simply take in the breathtaking sunsets. Imagine waking up to the sound of gentle waves and having your own private oasis just steps away.

Palm Harbor itself is a vibrant community with a rich history and a strong sense of community. The city is home to excellent schools, beautiful parks, and a variety of recreational amenities. Residents can explore the charming downtown area, which is filled with unique shops, restaurants, and art galleries.

Additionally, Palm Harbor is conveniently located near major highways, providing easy access to the nearby cities of Tampa and St. Petersburg. This makes it an ideal location for those who want to enjoy the peacefulness of waterfront living while still being close to urban amenities.

If you're looking for a true waterfront experience in a friendly and welcoming community, Palm Harbor is the perfect place to call home. With its stunning homes and idyllic setting, this city offers a lifestyle that is truly one-of-a-kind.

Newest Palm Harbor Homes with Waterfront

104 Klosterman Road W, Palm Harbor
$1,850,000
4 Beds ⋅ 3 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
Discover the ultimate Florida waterfront lifestyle in this stunning coastal retreat, perfectly suited as a private residence, vacation getaway, or high-performing rental investment. With spectacular St Joseph Sound and Gulf views from nearly every room, this exceptional home captures the beauty of its surroundings while offering the comfort, privacy, and amenities you’ve been looking for. Nestled at the end of a quiet cul-de-sac, this property offers direct deep-water Gulf access from your private dock, making it ideal for boating, sailing, fishing, and exploring the pristine islands and waterways nearby. The waterfront has been thoughtfully enhanced with a new dock in 2024 and boat lift in 2025, creating an exceptional setup for enjoying life on the water. The home has also been thoughtfully updated with numerous recent improvements, including: New kitchen and appliances — 2024 New water heater — 2024 New pool pump — 2024 New dock — 2024 New boat 10,000 lb lift — 2025 New washer and dryer — 2025 Roof — 2018 (upper roof) / 2005 (lower roof) Outside, low-maintenance landscaping allows you to spend more time enjoying the spectacular Florida setting. A serene private pool creates your own secluded oasis, tucked away from neighboring views and perfect for relaxing in the sunshine or unwinding after a day on the water. Inside, the main living level showcases an inviting open-concept design created to maximize the incredible water views. Elegant finishes and designer touches complement the space, including solid wood cabinetry, quartz countertops, and a beautiful bar area—perfect for entertaining family and friends. The spacious main level also features ample storage, a stylish powder room, a laundry/utility room, and a garage, providing both functionality and convenience. Upstairs, you'll find four generously sized bedrooms and two beautifully appointed bathrooms, each featuring double vanities. Step outside onto the expansive upper deck and enjoy refreshing Gulf breezes, breathtaking sunsets, and uninterrupted waterfront vistas. Whether you're looking for a private coastal sanctuary, a second home, or an investment property with strong vacation-rental appeal, this exceptional Gulf-access residence offers an opportunity to embrace the best of Florida waterfront living. Properties offering this combination of deep-water access, Gulf views, private dockage, pool, and recent updates are highly sought after. Don't miss your opportunity to make this extraordinary coastal retreat your own.

104 Klosterman Road W, Palm Harbor
22 Cypress Drive, Palm Harbor
$465,000
3 Beds ⋅ 2 Baths ⋅ Lake Shore Estates 3rd Add SubDv. ⋅ 34684 Zip Code
Superb waterfront home situated on a corner canal lot with wraparound deck provides spectacular sunsets AND sunrises across the glistening Lake Tarpon waters right in your own yard providing for ultimate lakefront living. This 3/2/2 two story home includes a 2 car garage along with a fenced slab providing locked in security for your boat/RV with no more storage fees and is in addition to the double driveway. Due to the Southwest Florida Water Management District (SWFWMD) none of the 2024 hurricanes affected this waterfront area as the system manages water flow to prevent flooding during heavy rains and to maintain water quality and balance ecological health with flood control during dry periods. The S-551 structure is designed to temporarily store excess water during storms, releasing it at a controlled rate. NO flooding. Anglers can catch a variety of fish species such as largemouth bass, crappie, bluegill and catfish as well as great places to dock and enjoy some food. Upon entering the home you are greeted with an open floor plan downstairs with vaulted ceilings leading to the kitchen with stainless steel appliances. The family room provides a dining area, wet bar and large storage closet. You will find the third bedroom/office with access to the waterfront deck conveniently located on the first level along with a full bathroom. Upstairs are two oversized bedrooms with a Jack-and-Jill shared full bathroom. The primary bedroom has beautiful views of the canal waters. The property boasts of new central heat/air conditioning, new roof, new windows, new front door, seawall stabilization. Clear 4 Point inspection. Regretfully must sell at this time due to Job transfer.

22 Cypress Drive, Palm Harbor
135 Harbor Drive, Palm Harbor
$1,750,000
6 Beds ⋅ 5 Baths ⋅ Ozona Shores 4th Add SubDv. ⋅ 34683 Zip Code
Move-in ready waterfront retreat with expansive Gulf, ocean, and Intracoastal Waterway views, perfect as your dream home or a turnkey Airbnb investment. Sold fully furnished with no HOA and no short-term rental restrictions. This fully updated, open-concept home offers 6 bedrooms, 5 baths, and 3,132 square feet with wood cabinets, granite countertops, and a walk-in pantry. The spa-like primary bath features a frameless glass walk-in shower with water views. Outside, enjoy a private pool and spa, a covered lanai with outdoor dining, an expansive paver deck along the seawall, and your own private dock — all framed by lush tropical landscaping. A fireplace and rare two-car garage with full bath complete the package. Set in the heart of golf-cart-friendly Palm Harbor, you're just a short drive from charming restaurants, shops, and the pristine beaches of Honeymoon Island. Move right in and make it your own."

135 Harbor Drive, Palm Harbor
4730 Wrentham Place, Palm Harbor
$824,900
4 Beds ⋅ 3 Baths ⋅ Devonshire SubDv. ⋅ 34685 Zip Code
Welcome home to this stunningly updated 4-bedroom, 3-bath executive pool home in the heart of the East Lake Corridor. Situated on a desirable cul-de-sac, this residence features an open, split-bedroom floor plan designed for comfortable living and effortless entertaining. The gourmet-style kitchen showcases a large island, spacious dining area, and seamless connection to the family room. Sliding doors lead to the resort-style pool and spa area, complete with a fully equipped outdoor bar—perfect for entertaining family and friends. The luxurious primary suite offers a beautifully appointed en-suite bathroom with a walk-in shower, dual-sink vanity, freestanding tub, and a spacious walk-in closet with custom built-ins. A dining room and living room combination, two additional bedrooms with a shared full bath, and a private rear bedroom suite with access to the pool bath and pool area provide plenty of flexibility for family and guests. An interior laundry room and oversized three-car garage complete this exceptional home. Located in an A-rated school district with Lansbrook Commons Park directly across the street, this home offers the best of the Lansbrook lifestyle. Come experience all that Lansbrook has to offer!

4730 Wrentham Place, Palm Harbor
3609 Darston Street, Palm Harbor
$450,000
2 Beds ⋅ 2 Baths ⋅ Chattam Landing Ph Ii SubDv. ⋅ 34685 Zip Code
A wonderful home on a quiet Cul-de-Sac, located on a pond with conservation views. Wake up to deer grazing on your lawn and the sound of a slow waterfall from the cascading stone fountain. Enter through the front door into a large Living/Dining room, with high ceilings and high windows that flood the room with natural light. Your attention is quickly drawn to the brick fireplace surrounded by tall built-in cabinets, and to the sliding glass doors that look out over pond. The large primary bedroom has sliding doors with views of the pool, the waterfall fountain and the pond. The primary bath has a separate tub and walk-in shower. The primary suite is complete with a built-in office and a large walk-in closet. There is a large second bedroom with a full bath adjacent. The eat-in kitchen features wood cabinets, stainless appliances and granite counters. This well-maintained home has new carpet in the primary bedroom and beautiful new laminate in the main living area. Located in a beautiful walkable area with friendly neighbors and nearby parks, tennis courts and playgrounds.

3609 Darston Street, Palm Harbor
312 Westwinds Drive, Palm Harbor
$840,000
3 Beds ⋅ 3 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
Welcome to 312 Westwinds Dr, located in the highly desirable waterfront community of Baywood Village with no HOA. This beautifully updated 3-bedroom, 3-bath home offers 1,947 square feet of thoughtfully renovated living space and sits directly on a saltwater canal just minutes from open water. No expense was spared in the top-to-bottom remodel, creating a move-in-ready home with modern finishes and exceptional attention to detail throughout. A new primary suite addition was completed in 2019, adding even more comfort and functionality to the floor plan. Enjoy waterfront living with direct Gulf access and no bridges. Bright, open living areas capture natural light and water views, creating a comfortable setting for everyday living and entertaining. The island kitchen features all-new appliances, solid hardwood cabinetry with soft-close doors and drawers, under-cabinet lighting, stone countertops, custom light fixtures, and wood-look ceramic tile flooring. Oversized three-panel sliding doors connect the dining area to a covered waterfront patio, bringing the outdoors into your living space. A wet bar with a sink, cabinetry, wine refrigerator, and accent lighting makes hosting easy. The primary suite offers private patio access, a custom walk-in closet, and a spacious bathroom with dual sinks, a soaking tub, and a separate walk-in shower. A Murphy bed in the second bedroom provides flexibility for guests or a home office. The dedicated laundry room includes cabinetry, a utility sink, and a shoe organizer, while plantation shutters throughout complete the interior. Outside, the covered brick-paver patio features a ceiling fan and grilling area overlooking the water. Low-maintenance landscaping, a storage shed, and white vinyl fencing with double gates add convenience. The composite dock is equipped with a 10,000-pound boat lift, electricity, and water connections, making it easy to head out for a day on the Gulf. Conveniently located near the historic Tarpon Springs Sponge Docks, Wall Springs Park, Fred Howard Park Beach, Sunset Beach, Honeymoon and Caladesi Islands, the Pinellas Trail, and Innisbrook Golf Club, this home puts boating, beaches, dining, and outdoor recreation within easy reach.

312 Westwinds Drive, Palm Harbor
332 Westwinds Drive, Palm Harbor
$650,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
WATERFRONT and Deep Water Access! No fixed bridges between this backyard and the Gulf of Mexico. Saltwater canal frontage, a 10,000-pound boat lift, and a 0.27 acre corner property spanning one-and-a-half lots at the end of a Baywood Village cul-de-sac. The expansive property makes room for multiple cars, Boat/RV parking, and future pool with still room for the dog to run. This 3-bedroom, 2-bath Palm Harbor home has updates to match! Recent updates include: New kitchen cabinets (2025) and kitchen appliances (2025), the primary bathroom was fully remodeled (2025), and a new A/C (2025), water heater (2025), luxury vinyl plank flooring (2025), and Roof (2016). The living room has two ceiling fans, walls of windows, and glass doors that keep the screened lanai and backyard in view. It opens straight into the kitchen: white cabinetry, updated tile countertops, stainless appliances, recessed lighting, and a wraparound breakfast bar. Between the dining area and a second casual space, there's room for a big table, a breakfast nook, or a desk. The split floor plan offers a comfortable split between the 3 bedrooms. The primary bedroom fits a king bed and a sitting area, with 2 skylights, multiple windows, and dual walk-in closet with built-in organization. The remodeled primary bath(2025) has a wide gray vanity with plenty of drawers and a tiled tub/shower with rainfall and handheld showerheads. The 2nd bedroom/bathroom has a separate side entrance which offers short-term rent potential (owner has rented in the past for $100+/night). The 2nd bath, fully updated in 2019, has more personality: a turquoise vanity and a tiled walk-in shower with a built-in bench. The 3rd bedrooms work for guests, an office, or the hobby that has outgrown the dining table. The home has a full laundry room with overhead cabinets and a separate utility/storage room for extra storage. A screened lanai runs across the full width of the house. Beyond it, a double gate opens to RV, boat, or trailer parking, along with mature shade trees, a gravel fire-pit area, outdoor storage, and a (10x16) workshop with a workbench, shelving, and lighting, plus room for the tools, the tackle, and the half-finished projects. A 2nd shed (8x10) is in the backyard perfect for yard equipment and other storage needs. Then there's the water! You get about 60 feet of seawall, a wooden dock plus a floating dock, running water, waterside storage, separate davit perfect if you have Jetskis, and the 10,000-pound lift (installed in 2018) that can fit up to approximately 25ft boat. The boat lift features straps, making it easy to load and unload the boat, even during the occasional low tide and configures to different boats. With no fixed bridges between you and the Gulf, getting out on the water is part of everyday life here, not a weekend production. Location is ideal as well! Downtown Palm Harbor, the Pinellas Trail, Wall Springs Park, Sunset Beach, Fred Howard Park, and the Tarpon Springs Sponge Docks are all close by, with Clearwater, St. Pete, and Tampa within easy reach. Waterfront access, real land, room for the toys, and the big-ticket updates are already done! This home is ready to be called yours!

332 Westwinds Drive, Palm Harbor
8 Citrus Drive, Palm Harbor
$659,000
4 Beds ⋅ 4 Baths ⋅ Lake Shore Estates 4th Add SubDv. ⋅ 34684 Zip Code
2.75% ASSUMABLE MORTGAGE AVAILABLE, SUBJECT TO LENDER APPROVAL AND BUYER QUALIFICATION! Discover exceptional Lake Tarpon waterfront living with a flexible layout designed for multigenerational households. Whether parents are moving in with family, adult children are staying home longer, or guests need their own space, two primary suites and a separate exterior entrance offer privacy and connection under one roof. This extensively renovated home features 4 bedrooms, 3.5 bathrooms, and over 2,000 square feet of thoughtfully designed living space. Modern renovations combine custom finishes with everyday comfort. The open kitchen showcases soft-close cabinetry, Brazilian granite countertops, custom fixtures, and stainless steel LG appliances. Porcelain tile flooring flows into an expansive great room featuring a vaulted, solid wood coffered ceiling, built-in features, a projection television setup, and stunning lake views. The split-bedroom floor plan provides separation between the two primary suites. One suite features a spacious walk-in shower with dual shower heads and custom closet storage, while the second offers a private bathroom, generous walk-in closet, and separate exterior access. Accessibility modifications in an additional bathroom provide added flexibility. A full-size laundry room includes cabinetry and a utility sink. Double-pane sliding doors open to a private waterfront retreat with a 20-by-12-foot dock with electrical connectivity, a covered porch, and an outdoor food preparation area. Enjoy fishing, relaxing, and entertaining overlooking Lake Tarpon. Additional features include a fenced yard, aluminum hurricane shutters, and exterior storage room. Roof replaced in 2013, HVAC in 2017, and tankless water heater in 2018. Per seller, the home remained high and dry during both recent hurricanes. Convenient to shopping, dining, and Gulf Coast beaches. Experience a waterfront home with room to bring everyone together!

8 Citrus Drive, Palm Harbor
3157 N Canal Drive, Palm Harbor
$1,750,000
5 Beds ⋅ 4 Baths ⋅ Lake Tarpon Estates SubDv. ⋅ 34684 Zip Code
Discover this beautifully updated “Lake Tarpon Luxury Waterfront Home.” Canal home offering direct access to Lake Tarpon and an exceptional blend of luxury, functionality, and long-term durability. This spacious 5-bedroom, 3.5-bath, 4,496 sq ft residence features a rare first-floor mother-in-law suite with a private close-off pocket door option, ideal for guests, multigenerational living, or extended stays. A standout feature is the oversized 3-car garage, complete with a built-in 10×10 storage room and extensive built-in shelving, providing unmatched storage and organization. The home has undergone major capital improvements in recent years, making it truly move-in ready. A new roof was installed in April 2021, followed by three new HVAC systems replaced in May 2023 for optimal comfort and efficiency. In October 2019, the entire exterior was upgraded with Hardie-Board color plus siding installed over full house wrap, eliminating the need for ongoing painting and offering superior moisture and pest resistance. That same year, all windows and pool-deck sliding doors were replaced (October 2019), enhancing hurricane resilience, energy efficiency, and insurance savings. Outdoor living shines with a large screened pool enclosure and a fully refurbished private dock completed in September 2023, featuring davits, covered lifts, and direct canal access for boating enthusiasts. Inside, the home boasts two full kitchens, two laundry rooms, a dramatic three-story foyer, and premium finishes throughout. For buyers seeking a turn-key experience, the property can be purchased fully furnished, offering a seamless transition into one of Palm Harbor’s most desirable waterfront lifestyles. NOTE- NO HOA FEES, NO DEED RESTRICTIONS, NO FLOOD INSURANCE- SEE LOMA ATTACHED. “Includes full 360° virtual tour and walkable video for remote buyers.” SEE ATTACHMENTS AND VIDEO TOUR LINKS- INCLUDES FLOOR PLAN LAYOUT INTERFACE WITH 360 VIDEO WALK THRU

3157 N Canal Drive, Palm Harbor
4805 Alt 19 Unit 713, Palm Harbor
$195,000
2 Beds ⋅ 2 Baths ⋅ Cove Spgs Condo SubDv. ⋅ 34683 Zip Code
WELCOME TO WATERFRONT FLORIDA LIVING AT COVE SPRINGS! This beautifully renovated FIRST-FLOOR 2-bedroom, 2-bath condo offers the perfect combination of modern upgrades, low-maintenance living, and a waterfront lifestyle in the heart of Palm Harbor. Step inside to a completely redone interior featuring luxury vinyl plank flooring throughout, beautiful custom tile in both bathrooms, and a stunning updated kitchen anchored by an oversized 1¼-inch quartz countertop. All-new GE stainless steel appliances and a new water heater were added in April 2026. Two spacious walk-in closets provide exceptional storage, while all-new HURRICANE-IMPACT WINDOWS AND DOORS add comfort and peace of mind. Enjoy one of the best features of first-floor living—a private SCREENED-IN LANAI with direct access to the backyard, creating an easy indoor-outdoor Florida lifestyle. But what truly sets Cove Springs apart is the WATERFRONT LIFESTYLE! Launch your kayak and explore the water, spend an afternoon fishing from the community dock, or simply relax by the cove and watch for dolphins and manatees passing through. Enjoy the COMMUNITY POOL, challenge friends to a game of SHUFFLEBOARD, or unwind at the beautifully redesigned clubhouse featuring separate men’s and women’s saunas. Conveniently located near Downtown Palm Harbor, Tarpon Springs, the Pinellas Trail, Honeymoon Island, shopping, restaurants, beaches, and the Gulf Coast, this MOVE-IN-READY condo lets you enjoy everything the area without sacrificing style or comfort. Whether you’re looking for a full-time residence or your own Florida retreat, this is an opportunity to start enjoying the Palm Harbor waterfront lifestyle from day one!

4805 Alt 19 Unit 713, Palm Harbor
3612 Windber Boulevard, Palm Harbor
$950,000
4 Beds ⋅ 4 Baths ⋅ Westmonte Ests SubDv. ⋅ 34685 Zip Code
Welcome to an exceptional Palm Harbor retreat where timeless ranch-style architecture meets elevated Florida outdoor living. Set within a desirable gated community and surrounded by mature natural beauty, this expansive single-story residence offers a distinctive combination of privacy, space and effortless indoor-outdoor living. The thoughtfully designed ranch footprint provides a comfortable flow for everyday living and entertaining, with generous living spaces and an inviting connection to the spectacular outdoor environment. Views toward the conservation setting and pond create a peaceful backdrop rarely found in such a convenient location. The true showpiece is the expansive outdoor living area. A beautifully appointed summer kitchen, substantial paver terrace with decorative inlay, and impressive tongue-and-groove wood ceiling create an elegant yet relaxed setting for everything from casual family gatherings to sophisticated entertaining. The screened outdoor living space opens beautifully to the pool and spa, allowing the Florida lifestyle to take center stage while maintaining privacy and a strong connection to nature. With its lush surroundings, generous lot, mature landscaping and resort-inspired outdoor spaces, this home delivers an atmosphere that feels both private and welcoming. Inside, the spacious single-level design offers the versatility today's buyers seek, while the property's established character and thoughtful improvements provide a distinctive alternative to newer construction. Public property records and prior listing data describe the residence as approximately 3,736 square feet with four bedrooms, four baths, and a large 0.42-acre homesite. Located in the sought-after East Lake/Palm Harbor area, the property offers convenient access to parks, recreation, shopping, dining, major roadways and the Gulf Coast lifestyle. Nearby schools listed in current property data include Cypress Woods Elementary, Joseph L. Carwise Middle and East Lake High School; buyers should verify current school assignments with Pinellas County Schools. A rare opportunity to own a spacious Palm Harbor ranch home where privacy, natural surroundings and extraordinary outdoor living come together in one remarkable setting

3612 Windber Boulevard, Palm Harbor
2614 Cyprus Drive, Palm Harbor
$345,000
3 Beds ⋅ 2 Baths ⋅ Meadow Brook Sub 1st Add SubDv. ⋅ 34684 Zip Code
Your next chapter on the water starts here! This 3-bedroom, 2-bath Palm Harbor home sits on a canal leading directly to Lake Tarpon, putting boating, fishing, and water sports within easy reach of your own backyard. Out back, a waterfront oasis sets the scene for weekends on the lake and evenings at home, with a wooden deck extending right out to your seawall, a PRIVATE BOAT LAUNCH, a BOAT GARAGE, a FIRE PIT, and a BUILT-IN HOT TUB. Spend the afternoon on the water, invite friends over to gather around the fire, or settle into the hot tub to end the day. Practical updates add to the appeal of worry-free living, including a ROOF (2019), STAINLESS STEEL APPLIANCES (2021), VINYL FENCING (2022), A/C (2024), WASHER/ DRYER (2025), and ELECTRICAL PANEL (2016). With the major mechanical upgrades already made, a few cosmetic touches offer the opportunity to make this home a HOME RUN purchase. Come see the potential—and picture the weekends ahead!

2614 Cyprus Drive, Palm Harbor
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