Steeve Cadeau
$499,999$549,9993 bd2 ba1,642 sqft$305 /sqft$3,959 /mo all-in ↓

16 CITRUS DRIVE, PALM HARBOR, FL, 34684

Active48 days on marketListed Jun 6, 2026MLS #TB8516471

Reduced $50KWaterfrontSingle Family ResidenceLAKE SHORE ESTATES 5TH ADD

About this home

16 CITRUS DRIVE

Waterfront freedom with no HOA! Welcome to this beautifully updated, move-in-ready three-bedroom, two-bathroom, ranch home in the highly sought-after Lake Shore Estates community. Perfectly situated on a deep-water freshwater canal leading directly out to 2,500-acre Lake Tarpon, this property offers the ultimate Florida lifestyle with absolute freedom. Because there are no restrictive rules and no high monthly fees, you have plenty of space to park your boat trailer, RV, or golf cart right at home. The west-facing front entry gives the home beautiful evening curb appeal, while the backyard faces east to provide shaded, cooler afternoons by the water. Step out back to enjoy sixty feet of prime water frontage located on one of the deepest canals on the lake, which is perfect for keeping your boat hull safe during any season. The turnkey dock setup includes a fixed wooden dock ready for your boat, a floating drive-on jet ski dock, and a built-in fish-cleaning station with a sink. The backyard is fully fenced with low-maintenance pavers and a covered patio, creating the perfect space for outdoor entertaining. As an added bonus, the lawn irrigation system pulls water directly from the canal to keep your grass green while saving you money on utility bills. Inside, the open-concept floor plan impresses with soaring cathedral ceilings, eight-inch baseboards, and a massive family and dining room combination featuring custom built-in shelving. The fully remodeled kitchen is open to the main living area and features bright quartz countertops, a spacious peninsula island with bar seating, stainless steel appliances, forty-two-inch cabinets, and a large skylight that floods the space with natural light. Three separate sets of elegant French doors provide a seamless transition from the living spaces straight out to the covered paved patio. The smart split-bedroom layout offers maximum privacy. The oversized primary suite sits entirely on its own side of the house, complete with a walk-in closet and a beautifully updated ensuite bathroom. On the opposite side of the home, two additional large bedrooms with crown molding share a second renovated bathroom. For ultimate convenience, a dedicated inside laundry room leads out to a rare, massive three-car garage. A whole-home water softener is also included. The location offers the perfect blend of recreation and convenience. You are located directly across from the world-famous Innisbrook Golf Resort, home to the PGA Tour’s Copperhead Course, in a highly golf-cart-friendly neighborhood. While you enjoy peace and quiet on the water, you are only minutes away from grocery stores, local dining, and excellent shopping. When you want to hit the saltwater, the white sands of Fred Howard Park, Sunset Beach, and Honeymoon Island are just a short drive away.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,642

Sqft

0.15 ac

Lot size

3

Garage

1988

Year built

One

Levels

$305

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Washer · Water Filtration System
InteriorCeiling Fan(s) · Crown Molding · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionWood Frame · Wood Siding
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level · Off Street · On Street
ExteriorFrench Doors · Lighting · Private Mailbox · Rain Gutters · Sidewalk

Community & fees

Taxes (2025)$7,609/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,959 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$634
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,500
Interest rate6.00%
Loan term

Estimated payment

$3,959/mo

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$634
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $500K
$402KedgeAI estimate $459,776 · range $419K$481K$520K

vs edgeAI estimate

+8.7%

$/sqft vs Palm Harbor actives

$305 vs $259

Days on market

48 vs 42 typical

Where $305/sqft sits among the 400 Palm Harbor actives

73
85
99
74 · this home
35
34
$150–195$195–240$240–285$285–330$330–375$375+

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 Lake Shore

Map of 16 CITRUS DRIVE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)35 min
Downtown Tampa39 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Lake Shore — neighborhood snapshot

Population

811

Median age

62

Median income

$78,149

Median home value

$311,987

Avg household

2

Households w/ children

53%

For the school run

Pinellas County School District

ElementaryHighland Lakes Elementary School★★★★★
HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$425K$450K

Palm Harbor median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

211 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 102% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $499,999 $50K
Jun 6, 2026Listed at $549,999 · 48 days on market since
1988Built · LAKE SHORE ESTATES 5TH ADD

Reality check

What actually sold near 16 CITRUS DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

36 CITRUS DRIVESold · May ’26

$515,000

36 CITRUS DRIVE · same community

3 bd · 2 ba · 1,550 sqft · $332/sqft · 23 DOM

2333 CITRUS HILL ROADSold · May ’26

$562,500

2333 CITRUS HILL ROAD

3 bd · 2 ba · 1,665 sqft · $338/sqft · 1 DOM

2333 CITRUS HILL ROADSold · Jun ’26

$560,000

2333 CITRUS HILL ROAD

3 bd · 2 ba · 1,665 sqft · $336/sqft · 2 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 16 CITRUS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16 CITRUS 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

16 CITRUS DRIVE FAQs

What would the monthly payment be for 16 CITRUS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,959/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 16 CITRUS DRIVE?+

The most recent tax bill on record (2025) was $7,609. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 16 CITRUS DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Palm Harbor?+

At $499,999, this home is listed about 33% 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 16 CITRUS DRIVE?+

Highland Lakes Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$499,999 runs 102% above the PALM HARBOR 34684 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $549,999, now $499,999 — a $50K cut. The full history is in the market section below.

Listing courtesy of QUICKSILVER REAL ESTATE GROUP · Alexandros Antonakos. MLS #TB8516471.

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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