$424,900
51 Cypress Drive
Palm Harbor, FL 34684
Listing updated: April 23, 2026 at 6:48 AM ET
Listing courtesy of Charles Rutenberg Realty Inc · Christina Paolillo · MLS #TB8500235 · Active · 727-538-9200Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage space
Flood zone
About this home
Boaters dream! Set on a peaceful waterfront lot in Lake Shore Estates, this updated 2-bedroom, 2-bath home offers a rare blend of style, flexibility, and direct access to Lake Tarpon. Inside, luxury vinyl flooring runs throughout the main living areas, creating a clean, low-maintenance feel, while the upgraded kitchen features stainless steel appliances, leathered granite countertops, and ample cabinetry. The primary suite includes a private bath and French doors that open to the back deck, seamlessly connecting indoor and outdoor living. The backyard is designed for relaxation and entertaining, with an expansive deck, above-ground pool, and direct water access for boating, fishing, or simply enjoying the view. Mature landscaping adds privacy, and with no HOA, the property offers freedom for full-time living, seasonal use, or short-term rental income. Conveniently located near shopping, dining, Gulf beaches, and a short drive to Tampa and Innisbrook Golf Resort, this is a well-positioned home that works equally well as a residence or investment opportunity—offered fully furnished for immediate enjoyment or turnkey rental potential.
Local Insight
This is a classic waterfront value play in an AE flood zone—you're getting direct water access and a pool at $347/sqft, which is reasonable for Palm Harbor, but factor in flood insurance costs carefully since they can run $2,000+ annually on a property like this. The 1976 construction means you'll want a thorough inspection on the roof, plumbing, and pool equipment before committing, as deferred maintenance is common at this age and condition will directly impact your actual cost of ownership. No HOA is a plus, but that 0.15-acre lot is tight, so the appeal really hinges on whether that waterfront location and pool justify the flood insurance premium and renovation risk for your lifestyle.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history1 days on market
- Status: ActiveApr 22, 2026
- Listed$424,900Apr 22, 2026
- Price increased$424,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Lake Shore Estates 3rd Add
- County
- Pinellas
- Year built
- 1976
- Living area
- 1,226 sq ft
- Price/sq ft
- $347
- Building area
- 1,593 sq ft (Public Records)
- Lot size
- 6,704 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12103C0076H)
- Garage
- 1 spaces
- Pool
- Private pool
- Annual taxes
- $6,347 (2024)
- Parcel #
- 30-27-16-48546-000-0510
- Zoning
- R-3
- MLS #
- TB8500235
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Vinyl
- Appliances
- Disposal, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Kitchen/Family Room Combo, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 1
- Attached garage
- Yes
- Parking features
- Driveway
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer and Buyer's agent to verify all lease restrictions
Exterior & Construction
- Exterior features
- Courtyard, Lighting
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Phone Available, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | |
| Family Room | First | |
| Dinette | First | |
| Kitchen | First | |
| Primary Bedroom | First | |
| Primary Bathroom | First | |
| Bedroom 1 | First | |
| Bathroom 1 | First |
Listing Details
- Listing date
- 2026-04-22
- On market date
- 2026-04-22
- Original list price
- $424,900
- Occupant type
- Owner
- MLS area
- 34684 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-04-22
- Tax legal description
- LAKE SHORE ESTATES 3RD ADD LOT 51
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
North on US-19 turn right on Cyrpess Dr. House is on Right side.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of April 23, 2026 at 6:48 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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