$399,000
450 Harbor Springs Drive
Palm Harbor, FL 34683
Listing updated: June 19, 2026 at 7:51 PM ET
Listing courtesy of Realty Experts Associates · Jennifer McDonnell · MLS #TB8507058 · Active · 727-614-0105Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Escape to this stunning 3-bedroom, 2.5-bath end-unit townhome tucked inside the gated Harbor Springs community in the heart of Palm Harbor. Built in 2017 and impeccably maintained, this bright, modern retreat offers the perfect blend of comfort, style, and unbeatable coastal location all just minutes from some of Florida's most beautiful beaches. Step into a spacious, open-concept main level designed for easy living and effortless entertaining. Soaring high ceilings, luxury vinyl flooring, and an abundance of natural light set the tone throughout. The chef's kitchen is a showstopper featuring a large island with seating, granite countertops, stainless steel appliances, abundant cabinetry, and a generous pantry. The living and dining areas flow seamlessly together, opening to a private screened porch perfect for morning coffee or evening cocktails. Upstairs, the expansive primary suite is your personal sanctuary, complete with a spa-like en suite bath featuring dual sinks, a large walk-in shower, and a generous walk-in closet. Two additional bright bedrooms and a full bath complete the upper level ideal for families, couples traveling together, or guests needing a dedicated workspace. Whether you're here to soak up the Gulf Coast sunshine, explore the Pinellas Trail, or simply unwind poolside, 450 Harbor Springs Drive offers everything you need for an unforgettable Florida getaway.
Local Insight
At $217 per square foot for a 2017 townhouse with three full baths, you're getting decent value for the Tampa Bay market, especially in a gated community with modern construction—though that $519 monthly HOA is substantial and worth factoring into your total housing cost. The X500 flood zone designation is a genuine advantage for this area, meaning lower insurance costs, but the 0.06-acre lot is tight, so you're really paying for the location and amenities rather than land or privacy. The 360° tour is helpful, but make sure the unit's specific condition and any rental restrictions align with your plans, since townhouses in this price range can vary significantly in upkeep.
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 history40 days on market
- Status: ActiveMay 10, 2026
- Listed$399,000May 10, 2026
- Price increased$399,000
Facts & features
- Property type
- Residential
- Sub type
- Townhouse
- Status
- Active
- Days on market
- 40
- Cumulative DOM
- 713
- Subdivision
- Harbor Spgs Of Palm Harbor
- County
- Pinellas
- Year built
- 2017
- Living area
- 1,840 sq ft
- Price/sq ft
- $217
- Building area
- 2,363 sq ft (Public Records)
- Lot size
- 2,474 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500* (12103C0057H)
- Garage
- 2 spaces
- Annual taxes
- $5,449 (2025)
- Parcel #
- 23-27-15-36399-000-0320
- MLS #
- TB8507058
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Vinyl
- Appliances
- Dishwasher, Range, Refrigerator
- Interior features
- Open Floorplan
- Laundry
- Laundry Closet, Upper Level
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $519 / Monthly
- Monthly HOA
- $519/mo
- Total monthly fees
- $519/mo
- Total annual fees
- $6,228
- HOA name
- Monarch Association Management
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please reach out to management company for all leasing restrictions
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | 15.5x15.1 |
| Living Room | First | 19.2x21.1 |
| Kitchen | First | 14.2x15.6 |
Listing Details
- Listing date
- 2026-05-09
- On market date
- 2026-05-10
- Original list price
- $399,000
- Occupant type
- Owner
- MLS area
- 34683 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-05-10
- Tax legal description
- HARBOR SPRINGS OF PALM HARBOR LOT 32
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
South on Alt 19 from Klosterman on West hand side of road
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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 June 19, 2026 at 7:51 PM 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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