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9 Freshwater Dr, Palm Harbor, FL, 34684

$277/sqft·Fresh Water Estates

2 bd1 ba1,030 sqftSingle Family
Listed by KELLER WILLIAMS SOUTH TAMPA· Last updated · MLS# TB8526277

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Est. monthly payment
$1,914/mo
Down payment (20%)
$57,000
Property taxes
$283/mo
HOA
$25/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1983
6,443 sqft lot
Lot size
1,030 sqft
Living area

About this home

Ceiling Fans(s)Open FloorplanPrivate MailboxPrivate YardAssociation Recreation - LeaseBuilt-in OvenDishwasherElectric Water Heater

9 Freshwater Dr is a 1983-built home in Fresh Water Estates, Palm Harbor. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,030 square feet of living space. Listed at $285,000 (about $277/sqft), 42 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $25 annually.

From the listing

Water Lovers, First-Time Buyers, and Downsizers—Welcome Home! If you've been dreaming of an affordable Florida lifestyle close to the water without sacrificing style or convenience, this beautifully updated home is exactly what you've been waiting for. Nestled in desirable Fresh Water Estates, directly across from a Lake Tarpon canal and backing to a peaceful, wooded preserve-like setting with no rear neighbors, this move-in-ready retreat offers privacy, comfort, and everyday enjoyment. FIRST TIME HOMEBUYER DOWN PAYMENT ASSISTANCE MAY BE AVAILABLE-CALL FOR DETAILS!!! Step inside to a bright, sun-filled open floor plan where durable laminate flooring flows throughout, creating an inviting and easy-to-maintain living space. The beautifully renovated kitchen serves as the heart of the home, featuring timeless shaker-style cabinetry, granite countertops, stainless steel appliances, and plenty of workspace for everyday living or entertaining. Just off the kitchen, you'll appreciate the spacious indoor laundry room with additional storage—an unexpected bonus in a home of this size. The updated bathroom continues the home's modern appeal with a granite vanity, crisp white cabinetry, and a stylish walk-in shower, creating a fresh, spa-inspired feel. Outside, the circular driveway provides ample parking, while NO HOA gives you the freedom to park your boat, RV, or other recreational toys right on your own property. Spend weekends launching your boat from the nearby community ramp onto beautiful Lake Tarpon, kayaking the nearby canals, fishing, or enjoying scenic walks and outdoor activities at Anderson Park just minutes away. Conveniently located near shopping, dining, everyday conveniences, and the new Trader Joe's, you'll love having everything you need within easy reach while still enjoying a relaxed, waterfront lifestyle. Whether you're searching for your first home, looking to downsize into an easy-care property, seeking a seasonal Florida retreat, or simply wanting to live closer to the water without the waterfront price tag, this home offers exceptional value. Affordable homes this close to Lake Tarpon—with modern updates, privacy, NO HOA, and room for your boat or RV—are becoming increasingly difficult to find. Schedule your private showing today and discover why this charming home is the perfect place to start your next chapter.

The essentials

Built
1983
Price / sqft
$277
On market
60 days
Annual tax
$3,401
HOA
$25/yr
Flood zone
AE
Lot
6,443 sqft
Type
Single Family Residence

Location

9 Freshwater Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1983
Lot
6,443 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway, Driveway
Days on Market
60
Ceiling Fans(s)
Open Floorplan
Private Mailbox
Private Yard
Association Recreation - Lease
Built-in Oven
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator

Elementary

Highland Lakes Elementary-PN

Middle

Tarpon Springs Middle-PN

High

Tarpon Springs High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$3,401

Parcel #

30-27-16-29538-000-0090

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

Fresh Water Estates

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

6,443 sqft

Paved
HOA
$25/yr
Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #TB8526277
$285,000-5.0%
$277/sqft
Price change
Source: Stellar MLS #TB8526277
$299,900-4.8%
$291/sqft
7/16/2026
Listed for sale
Source: Stellar MLS #TB8526277
$315,000+52.2%
$306/sqft
3/1/2021
Sold
Source: Pinellas County Public Record
$207,000
$201/sqft
Est. monthly payment$1,914/mo
Principal & interest$1,486
Property taxes$283
Insurance$143
HOA$2
Down payment20% · $57,000
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.

Offer Insights

Choose an offer strength

List price: $285,000
$280,000 – $285,000
98.5% – 100% of listTops out right at the list price
80% of listList price
56 of the last 110 home closings in 34684 landed at this number or higher (51%). The median one sat 15 days before it went under contract, and this one is on day 60 after a $30,000 cut.

Sample: 110 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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