Steeve Cadeau
$580,000$599,0003 bd2 ba1,869 sqft$310 /sqft$3,967 /mo all-in ↓

1382 SUTTON PLACE DRIVE, PALM HARBOR, FL, 34683

Active37 days on marketListed Jun 18, 2026MLS #W7886792

Reduced $19KPrivate poolFully furnishedSingle Family ResidenceSUTTON PLACE

About this home

1382 SUTTON PLACE DRIVE

NO HOA | NO FLOOD ZONE | POOL HOME | FULLY FURNISHED | PALM HARBOR UNIVERSITY HIGH SCHOOL DISTRICT Rarely available and meticulously maintained, this 3-bedroom, 2-bath pool home is located in one of Palm Harbor’s most desirable neighborhoods. Situated on elevated ground in a non-flood zone, this quiet community features a single entrance with no through traffic, offering both privacy and convenience. Enjoy the rare ability to walk to Palm Harbor University High School, home to the nationally recognized International Baccalaureate (IB) Programme and Center for Wellness & Medical Professions. The home is also just minutes from historic downtown Palm Harbor, the Pinellas Trail, local restaurants, breweries, parks, Honeymoon Island, Dunedin, Tarpon Springs, and Florida’s award-winning Gulf beaches. Major improvements began in 2020 with a new roof and chimney with transferable warranty, pool resurfacing, and new wood fencing. Since then, the current owner has invested over $100,000 in thoughtful updates and maintenance, including luxury flooring throughout, new baseboards, interior and exterior paint, electrical panel replacement, updated lighting and fixtures, kitchen backsplash, appliances, sink and faucet, guest bathroom vanity, plumbing fixture upgrades, garage door opener, pool equipment, extensive tree removal and landscaping, and a custom Costa Rica-inspired tropical rockscape. The HVAC system has also been professionally inspected and serviced to ensure excellent operating condition. The split-bedroom floor plan offers both privacy and flexibility. The spacious primary suite features a versatile sitting area ideal for a home office, nursery, reading nook, or fitness space, along with dual closets, including a walk-in closet, and a walk-in shower. Vaulted ceilings and a beautiful stone wood-burning fireplace create a warm focal point in the family room, while the kitchen pass-through window makes entertaining on the screened lanai and around the private pool effortless. Outside, the low-maintenance tropical landscaping provides exceptional curb appeal, while the spacious backyard offers plenty of room to relax or create your own outdoor retreat. Offered fully furnished, including televisions, washer and dryer, lawn equipment, and most furnishings, this home presents a rare turnkey opportunity as a primary residence, seasonal getaway, or investment property. Priced in line with a recent third-party appraisal completed during the seller’s refinance process, this move-in-ready home offers exceptional value with NO HOA, NO flood insurance requirement, and the peace of mind that comes with extensive recent improvements. Property is being sold as-is for the seller’s convenience.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,869

Sqft

0.22 ac

Lot size

2

Garage

1985

Year built

One

Levels

$310

Per sqft

Private poolFireplaceFurnished

Inside

FlooringLaminate
AppliancesConvection Oven · Refrigerator
InteriorCathedral Ceiling(s)
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionStone
FoundationSlab
FacesNorth
ExteriorPrivate Mailbox · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$5,515/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

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

$3,967 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,130
PMI (est., until 20% equity)$218
Property tax — 2025 actual bill$460
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $58,000
Interest rate6.00%
Loan term

Estimated payment

$3,967/mo

Principal & interest$3,130
PMI (est., until 20% equity)$218
Property taxes (actual bill)$460
Est. insurance$160

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.

List $580K
$516KedgeAI estimate $579,460 · range $537K$651K$677K

vs edgeAI estimate

+0.1%

$/sqft vs SUTTON PLACE

$310 vs $489

Days on market

37 vs 42 typical

Where $310/sqft sits among the 6 homes for sale in SUTTON PLACE

0 · this home
1
2
0
1
2
$310–348$348–387$387–425$425–463$463–501$501+

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

Map of 1382 SUTTON PLACE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)36 min
Downtown Tampa40 min

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

ElementaryLake St. George Elementary School★★★★
MiddlePalm Harbor Middle School★★★★
HighPalm Harbor University High★★★★

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)

3 of 6

SUTTON PLACE have cut their price

Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 45% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $580,000 $19K
Jun 18, 2026Listed at $599,000 · 37 days on market since
1985Built · SUTTON PLACE

Reality check

What actually sold near 1382 SUTTON PLACE DRIVE

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

9241 ANGORA STREETSold · Mar ’26

$414,000

9241 ANGORA STREET · same community

3 bd · 2 ba · 1,830 sqft · $226/sqft · 3 DOM

1302 SUTTON PLACE DRIVESold · Jan ’26

$700,000

1302 SUTTON PLACE DRIVE · same community

4 bd · 2.5 ba · 2,239 sqft · $313/sqft · 19 DOM

542 SUTTON PLACESold · Nov ’25

$315,000

542 SUTTON PLACE · same community

3 bd · 2.5 ba · 1,450 sqft · $217/sqft · 9 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 1382 SUTTON PLACE 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 1382 SUTTON PLACE 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

1382 SUTTON PLACE DRIVE FAQs

What would the monthly payment be for 1382 SUTTON PLACE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,967/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 1382 SUTTON PLACE DRIVE?+

The most recent tax bill on record (2025) was $5,515. 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 $580,000, this home is listed about 55% 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 1382 SUTTON PLACE 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

Four things that matter here

01Positioned at the premium end

$580,000 runs 45% above the PALM HARBOR 34683 median — but at 1,869 sqft it's also 28% larger than the typical Palm Harbor listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong 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.

04The price has already moved

Listed at $599,000, now $580,000 — a $19K cut. The full history is in the market section below.

Listing courtesy of UPCHURCH REALTY LLC · MAX Upchurch. MLS #W7886792.

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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