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Overview

4 bd3 ba1,924 sqftSingle Family
TypeSingle Family
HOA$384/yr
Built1989
Lot7,645 sqft
Living area1,924 sqft
Price / sqft$299

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Primary Bedroom Main FloorStone CountersRain GuttersSidewalkDeed RestrictionsDishwasherDisposalDryer

4897 Harbor Woods Dr is a 1989-built home in Harbor Woods, Palm Harbor. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,924 square feet of living space. Listed at $575,000 (about $299/sqft), 9 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $384 annually.

From the listing

Welcome to your turnkey oasis on the Palm Harbor and Tarpon Springs border! Nestled within a quiet, highly desirable deed restricted community with incredibly low HOA fees, this meticulously updated ~1,900 sq ft home offers the ultimate blend of luxury, privacy, and peace of mind. Boasting an expansive 4 bedroom, 3 full bath layout including two private en suites (perfect for guests or multi-generational living), no detail has been overlooked. Every major system, along with the gourmet kitchen and all three bathrooms, has been completely modernized within the last four years. From the sleek contemporary finishes to the newly upgraded automated sprinkler system that keeps your curb appeal flawless, this property is truly better than new construction. Step through the doors and discover a unique architectural layout designed entirely around a spectacular central courtyard, where nearly every room in the house offers direct access to the pool patio. This seamless indoor outdoor flow leads you straight to your own private poolside paradise, featuring a sparkling saltwater pool that has been beautifully resurfaced and is protected by a brand new panoramic screen enclosure that maximizes your views of the lush surroundings. Backed by all new 2026 pool equipment and complete with a modest covered area on the patio perfect for shaded outdoor dining or escaping the afternoon sun, this low maintenance retreat is ready for year round entertaining. Best of all, you are just minutes away from top rated Pinellas County schools, pristine Gulf beaches, and the vibrant dining, shopping, and culture of the world famous Tarpon Springs Sponge Docks. Schedule your private tour today and step into a lifestyle where absolutely everything has already been done for you!

The essentials

Built
1989
Price / sqft
$299
On market
9 days
Annual tax
$3,544
HOA
$384/yr
Flood zone
AE
Lot
7,645 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Private pool
In Ground
7,645 sqft lot
Lot size
1,924 sqft
Living area

Payment

Est. monthly payment
$3,614/mo
Down payment (20%)
$115,000
Property taxes
$295/mo
HOA
$384/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
7,645 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Garage Door Opener, Ground Level
Pool
In Ground, Gunite, Salt Water, Screen Enclosure
Days on Market
9
Primary Bedroom Main Floor
Stone Counters
Rain Gutters
Sidewalk
Deed Restrictions
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$3,544
Parcel #
23-27-15-36685-000-0330

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
Harbor Woods
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
7,645 sqft
HOA
$384/yr
Sam Marshall

Price history

Date
Event
Price
10/2/2026
Listed for sale
Source: Stellar MLS #TB8556005
$575,000
$299/sqft

Neighborhood

4897 Harbor Woods Dr
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $575,000
$565,000 – $575,000
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 9.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$3,614/mo
Principal & interest$2,999
Property taxes$295
Insurance$288
HOA$32
Down payment20% · $115,000
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 is the fee 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

$575,000

$299 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,924 sq ft

Time on market

9 days

Year built

1989

Monthly payment

About $3,614/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,544 annual tax bill, insurance, and the $384/yr HOA fee.

HOA fee

$384/yr

Managed by Sam Marshall.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byKELLER WILLIAMS ST PETE REALTYListing agent: Catherine BostianListing data from Stellar MLS, MLS# TB8556005.

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