302 SHORE DRIVE, PALM HARBOR, FL, 34683
Active183 days on marketListed Jan 22, 2026MLS #TB8464003
About this home
302 SHORE DRIVE
Virtually Staged. Step into your perfect waterfront escape in Palm Harbor - a beautifully updated 5-bedroom, 5.5-bathroom pool home that embodies the very best of coastal living. Recent renovations and upgrades include new tile flooring throughout the first floor, fresh interior paint, a completely updated kitchen featuring new cabinetry, quartz countertops, and stainless steel appliances, along with crown molding, new ceiling fans, and new vanities on the first floor. Major system updates include all new A/C units (three total) installed in 2025, all-new electrical and electrical panel in 2025, and previously installed water heaters from 2022. Spanning over 4,100 square feet across two inviting floors, this residence offers a seamless blend of comfort and breathtaking water views. The home did experienced damage from previous storms, which has since been fully remediated, with extensive upgrades completed - offering peace of mind and modern efficiency throughout. From the moment you arrive, the welcoming entryway draws you into a thoughtfully designed home where everyday living and entertaining come together effortlessly. The heart of the home is the open, updated kitchen. Off of the kitchen is the breakfast nook where sliding glass doors connect the dining area to the outdoor space, showcasing picturesque water views. The cozy back living area is ideal for unwinding, featuring coastal-style tile, a full wet bar with wine storage, and sliders that open to a second patio with direct access to the pool and serene waterfront backdrop. Upstairs, a comfortable lounge area offers a relaxing retreat, while a large bonus space - formerly a home gym - provides endless possibilities for a media room, additional living area, or flex space. This level also includes a washer and dryer hookup closet, eliminating the need to carry laundry between floors. The home offers two bedrooms on the lower level, one with a private en-suite bath and generous closet space, and three additional bedrooms upstairs, providing ample room for family, guests, or multi-generational living. Outside, the fenced backyard is a true tropical oasis with kayak storage, a tiki bar, and an outdoor kitchen with sink and dining island, all overlooking tranquil waters. Expansive patio areas provide plenty of space for entertaining, lounging, and enjoying evenings around a fire pit. For boating enthusiasts, the private dock extends into the Gulf, offering direct water access and endless adventure. Complete the experience by relaxing on the rooftop patio, where panoramic water views capture the essence of Florida’s coastal lifestyle. This Palm Harbor waterfront home combines space, flexibility, and extensive updates with incredible outdoor living. Don’t miss the opportunity to own this exceptional coastal property - schedule your private showing today and start living the waterfront lifestyle you’ve been dreaming of.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
4,188
Sqft
0.26 ac
Lot size
2
Garage
1953
Year built
Two
Levels
$430
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$12,314 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,314/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$430 vs $258
Days on market
183 vs 42 typical
Where $430/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
209 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 339% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 302 SHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$357,610
289 ORANGE STREET · same community
3 bd · 2.5 ba · 1,344 sqft · $266/sqft · 178 DOM
Sold · Apr ’26$3,450,000
80 SHORE DRIVE
4 bd · 4.5 ba · 4,172 sqft · $827/sqft · 18 DOM
Sold · Oct ’25$1,275,000
16 BIRDIE LANE
5 bd · 4 ba · 3,860 sqft · $330/sqft · 42 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 302 SHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 302 SHORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
302 SHORE DRIVE FAQs
What would the monthly payment be for 302 SHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,314/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 302 SHORE DRIVE?+
The most recent tax bill on record (2024) was $21,261. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $1,799,000, this home is listed about 380% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 302 SHORE DRIVE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,799,000 runs 339% above the PALM HARBOR 34683 median — but at 4,188 sqft it's also nearly 3 times the size of the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
183 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,875,000, now $1,799,000 — a $76K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Jeffrey Borham, PA. MLS #TB8464003.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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