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$625,000

13 FreshwaterPalm Harbor, FL 34684

Listing updated: October 20, 2026 at 7:53 PM ET

Active

Listing courtesy of Charles Rutenberg Realty Inc · Amanda Lebiszczak · MLS #TB8559482 · Active · 727-538-9200

Beds

Baths

2,064

Sq Ft

0.17

Acres

1969

Built

◆Waterfront◆Water access◆Private pool◆In-law suite◆Fireplace◆$303/sqft◆360° tour

Single Family Residence

Property type

1969

Year built

7,444 sqft

Lot size

$303

Price / sq ft

No HOA

HOA dues

Days on market

Flood zone

About this home

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.

Estimated monthly payment

Principal & interest$3,160

Property taxes$532

Home insurance (est.)$286

Down payment

20%

$125,000 downRate

6.5%

Term

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 history0 days on market

Status: Active
Oct 20, 2026
Listed$625,000
Oct 20, 2026

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: Freshwater Estates
County: Pinellas
Year built: 1969
Living area: 2,064 sq ft
Price/sq ft: $303
Building area: 2,844 sq ft (Appraiser)
Lot size: 7,444 sq ft
Lot category: 0 to less than 1/4
Flood zone: AE
Pool: Private pool
Annual taxes: $6,385 (2025)
Parcel #: 30-27-16-29538-000-0130
Zoning: RES
MLS #: TB8559482

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Interior Details

Bedrooms: 4
Full bathrooms: 2
Flooring: Carpet, Ceramic Tile, Wood
Appliances: Dishwasher, Microwave, Range, Refrigerator, Washer
Interior features: Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Window Treatments
Laundry: Inside, Laundry Room
Stories / Levels: Two
Direction faces: South
Fireplace: Yes
In-law suite: Yes

Heating & Cooling

Heating: Electric
Cooling: Central Air, Wall/Window Unit(s)

Parking

Garage spaces: 0
Parking features: Boat, Driveway, Guest, Off Street, Parking Pad

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Min lease term: No Rent
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Check county restrictions.

Exterior & Construction

Construction materials: Block, Brick, Frame
Roof: Shingle
Foundation: Slab
Pool: Private pool
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Fire Hydrant

Community

Pets allowed: Yes

Schools

ElementaryHighland Lakes Elementary-PNGreatSchools ↗

MiddleCarwise Middle-PNGreatSchools ↗

High SchoolTarpon Springs High-PNGreatSchools ↗

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		15x25
Kitchen		11x7
Primary Bedroom		12x9
Bedroom 2		11x9
Bedroom 3		11x9
Bathroom 1		7x5
Florida Room		8x35
Foyer		6x9
Kitchen		27x9
Family Room		19x12
Bedroom 4		14x12
Bathroom 2		6x8

Listing Details

Listing date: 2026-10-20
On market date: 2026-10-20
Original list price: $625,000
Occupant type: Owner
MLS area: 34684 - Palm Harbor
Listing AOR: Suncoast Tampa
Status changed: 2026-10-20
Tax legal description: Freshwater Estates Lot 13

Flood risk

High riskFEMA Zone AE

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

19 to Cypres drive to left on freshwater. home is nestled on the right hand side corner end.

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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 October 20, 2026 at 7:53 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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