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Overview

5 bd4 ba3,420 sqft2 car garageSingle Family
TypeSingle Family
HOA$250/yr
Built1985
Lot21,475 sqft
Living area3,420 sqft
Price / sqft$248
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSolid Wood CabinetsSplit BedroomWalk-in Closet(s)Window TreatmentsBalcony

1304 Treetop Dr is a 1985-built home in Indian Trails Add, Palm Harbor. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,420 square feet of living space. Listed at $849,000 (about $248/sqft), 19 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $250 annually.

From the listing

Multi generational home! Welcome to this spacious 3,400-square-foot multigenerational home, offering an exceptional combination of space, flexibility, and privacy. Situated on nearly half an acre, this unique split-level property features 4 bedrooms, 2½ bathrooms, a 2-car garage, a birdcage-enclosed pool, and an impressive 840-square-foot mother in-law suite. Step inside on the main level, where you’ll find a welcoming eat-in kitchen, living room, and formal dining room. The kitchen and main living areas feature attractive and easy-care luxury vinyl plank flooring. Just off the kitchen is a large family room with a wood-burning fireplace, creating a warm and inviting space for family gatherings and entertaining. From both the kitchen and family room, step into the huge enclosed porch, providing an abundance of additional space for relaxing and entertaining while overlooking the pool and outdoor area. With nearly half an acre of property and a birdcage-enclosed swimming pool, there is plenty of room to enjoy the Florida lifestyle both indoors and out. Additionally the house has all the hurricane shutters including the protection for the covered porch and covered patio. A conveniently located laundry room is situated just off the family room and provides easy access to the large 2-car garage. One of the home's most distinctive features is the 840-square-foot in-law suite. This spacious, open studio-style suite includes its own full bathroom and kitchenette, with plenty of room to comfortably create separate areas for sleeping, dining, relaxing, and watching TV. It offers an excellent setup for extended family, multigenerational living, guests, or anyone who would benefit from a private living space while remaining connected to the main home. Additional features and updates include air conditioning installed in 2017, roof replaced in 2011, water heater replaced in 2020, and luxury vinyl plank flooring throughout the kitchen and main living areas. With approximately 3,400 square feet of living space, an oversized lot, multiple gathering areas, a huge enclosed porch, private pool, and an exceptionally spacious in-law suite, this home provides the room and versatility to accommodate multiple generations under one roof while still allowing everyone their own space and privacy. Less than 10 miles from Clearwater Beach it is an ideal location and place to live

The essentials

Built
1985
Price / sqft
$248
On market
19 days
Annual tax
$9,763
HOA
$250/yr
Flood zone
X · Low risk
Lot
21,475 sqft
Type
Single Family Residence

At a glance

Single family
Built 1985
Private pool
Gunite
2 car garage
0.49 acres
Lot size
3,420 sqft
Living area

Payment

Est. monthly payment
$5,687/mo
Down payment (20%)
$169,800
Property taxes
$814/mo
HOA
$250/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1985
Lot
21,475 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Gunite
Days on Market
19
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Walk-in Closet(s)
Window Treatments
Balcony
Garden
Hurricane Shutters
Lighting
Sidewalk
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$9,763
Parcel #
36-27-15-42982-000-0340

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Indian Trails Add
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
21,475 sqft
HOA
$250/yr
Premier Management Services Christa Dasher, LCAM

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #TB8551304
$849,000-4.5%
$248/sqft
-
Price change
Source: Stellar MLS #TB8551304
$889,000-1.1%
$260/sqft
9/23/2026
Listed for sale
Source: Stellar MLS #TB8551304
$899,000
$263/sqft

Neighborhood

1304 Treetop Dr
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $849,000
$835,000 – $849,000
98.4% – 100% of listTops out right at the list price
80% of listList price
78 of the last 155 home closings in 34683 landed at this number or higher (50%). The median one sat 26 days before it went under contract, and this one is on day 19 after a $50,000 cut.

Sample: 155 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,687/mo
Principal & interest$4,428
Property taxes$814
Insurance$425
HOA$21
Down payment20% · $169,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$849,000

$248 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,420 sq ft

Time on market

19 days

Year built

1985

Monthly payment

About $5,687/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,763 annual tax bill, insurance, and the $250/yr HOA fee.

HOA fee

$250/yr

Managed by Premier Management Services Christa Dasher, LCAM.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered bySTONEBRIDGE REAL ESTATE COListing agent: Louise CournoyerListing data from Stellar MLS, MLS# TB8551304.

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