102 SCHOONER DRIVE UNIT 102, PALM HARBOR, FL, 34683
Active2 days on marketListed Aug 2, 2026MLS #TB8535108
About this home
102 SCHOONER DRIVE UNIT 102
Property Overview Bring your architectural dreams to life on this rare waterfront vacant lot nestled directly on a tranquil channel leading straight out to the sparkling waters of St. Joseph Sound and the Gulf of Mexico. Whether you envision a custom coastal retreat or a modern manufactured masterpiece, this blank canvas offers the ultimate Florida boating lifestyle. Best of all, the property currently features two boat davits, meaning your aquatic adventures can begin the moment you move in! Community & Neighborhood Highlights Welcome to the charming seaside community of Crystal Bay Mobile Home Club, a vibrant, highly active, and resident-owned 55+ cooperative located in beautiful Palm Harbor, Florida. Enjoy a peaceful, friendly neighborhood atmosphere paired with incredible resort-style amenities right at your fingertips: Boater's Dream: Community dock, boat slips, and direct deep-water access to the Gulf. On-Site Recreation: Spend your days fishing right from the neighborhood dock, relaxing by the sparkling community pool, or engaging in friendly competition on the shuffleboard courts. Active Social Life: The community clubhouse serves as the social hub for clubs, events, and gatherings with neighbors who quickly become lifelong friends. Prime Location: Conveniently situated near world-famous Gulf beaches, scenic parks, local dining, shopping, and Tampa Bay area conveniences.
Facts & features
The home at a glance
14.28 ac
Lot size
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 and the real association fee — not generic estimates.
$1,385 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,385/mo
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.
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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 SCHOONER DRIVE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$205,000
432 TAMPA ROAD
2 bd · 1 ba · 824 sqft · $249/sqft · 29 DOM
Sold · Oct ’25$400,000
311 DEMPSEY ROAD
2 bd · 1 ba · 852 sqft · $469/sqft · 2 DOM
Sold · Nov ’25$362,000
344 BAY STREET
2 bd · 1 ba · 910 sqft · $398/sqft · 3 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 102 SCHOONER DRIVE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 SCHOONER DRIVE UNIT 102 — 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
102 SCHOONER DRIVE UNIT 102 FAQs
What would the monthly payment be for 102 SCHOONER DRIVE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,385/mo — principal and interest, the actual property-tax bill, the $215/mo association fee 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.
How much are the HOA fees at 102 SCHOONER DRIVE UNIT 102?+
The association fee works out to $215 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 SCHOONER DRIVE UNIT 102?+
The most recent tax bill on record (2025) was $1,873. 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 102 SCHOONER DRIVE UNIT 102?+
The listing reports pets: Breed Restrictions. 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 $135,000, this home is listed about 64% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 102 SCHOONER DRIVE UNIT 102?+
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
Four things that matter here
01Under the PALM HARBOR 34683 market on paper
$135,000 is 66% below the PALM HARBOR 34683 median of $400,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Palm Harbor market that averages 48 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of BREMER-BJURQUIST INC REALTY · Jim Frazis. MLS #TB8535108.
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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