Waterford Crossing
Homes for Sale in Palm Harbor, FL
All 552 homes for sale in Palm Harbor, FL · median $375,000 · 172 homes for sale in 34683 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, waterford crossing ph ii in Palm Harbor, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 7 recorded sales closed at a median of $715,000, $330 per square foot, a median 5 days on market, sellers accepting 99% of original asking (+1% versus the prior year). Homes listed or recently sold were built 1989 - 1994; 13 of 13 report an HOA (median $85/mo); none of the 13 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $13,860 ($13,050 with the full homestead exemption).
| Location | Palm Harbor, Pinellas County, FL · ZIP 34683 |
|---|---|
| Homes in the community | 104 (FL DOR 2025 assessment roll) |
| Years built | 1988–1998 (median 1992) |
| Typical living area | 2,399 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Playground, Park, Deed Restrictions, Fence Restrictions, Vehicle Restrictions |
| Sale prices, last 12 months | $715,000 median across 7 closed sales · $330 per sq ft · +1.4% vs the prior 12 months |
| Days on market (closed sales) | 5 median |
| For sale right now | 1 active, 2 pending · median asking $799,000 · 0.8 months of supply |
| Owner-occupied (homestead) share | 88% |
| Zoned public schools | Pinellas County Schools (verify by address); Confirm zoned elementary, middle, and high |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “waterford crossing ph ii key facts,” movewithmomentum.com/neighborhoods/waterford-crossing, data as of September 20, 2026.
Last 30 days in Waterford Crossing: 1 new listing (median asking $799,000), 2 closed sales (median $685,000). As of October 6, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Waterford Crossing right now
🔴 Seller-leaning market. 0.8 months of supply and 67% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (3 active and pending listings, 7 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($715K) is up 1.4% from the prior 12 months ($705K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Medium (7 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 6, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Waterford Crossing market snapshot (as of September 20, 2026): the median sale price is about $715K ($330 per sq ft over the trailing 12 months of closed sales), a median 5 days on market for closed sales, and 0.8 months of supply, a seller-leaning market. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level Stellar MLS closed sales (7 closings in the current window).
In ZIP 34683 (Palm Harbor), 544 homes closed in the last 12 months at a median of $492K ($285/sq ft), down 1.6% year over year, with a median 49 days on market. Right now 113 active and 31 pending listings put supply at about 3.9 months - a balanced market. See the live ZIP 34683 housing market and the Pinellas County market.
County records show 13 qualified sales in waterford crossing across 2024 - 2025 (7 in 2024, 6 in 2025), median $705,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Waterford Crossing is a community of 104 homes in Palm Harbor, Pinellas County, built between 1988 and 1998 (median 1992), with a median living area of about 2,399 square feet. 88% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Waterford Crossing. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Waterford Crossing; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($715K) IS the median in the snapshot above, and the move from 2025 ($705K) IS the +1.4% one-year change.
Windows contain 0 to 7 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
22% of homes for sale in ZIP 34683 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-05).
Waterford Crossing Market Scorecard
Waterford Crossing is currently a seller-leaning market. About 0.8 months of supply, a median asking price of $799,000, and homes go under contract in about 23 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in waterford crossing ph ii, Palm Harbor
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Waterford Crossing
Live MLS inventory for Waterford Crossing. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Waterford Crossing listings as of 2026-10-01, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Tap any home to ask about it.
Every Home for Sale in Waterford Crossing Right Now (1)
All 1 active and pending Waterford Crossing listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2796 Challenger Drive · $799,000 · 4 bd / 2 ba · listed Sep 6, 2026 · listed by Keller Williams Realty- Palm Harbor
Waterford Crossing on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
Zoned schools reflect the assignments reported on recent Waterford Crossing listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Waterford Crossing address.
Shop the zone: Homes zoned for Dunedin High-Pn High School
The Waterford Crossing buying strategy.
If we were buying in Waterford Crossing today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Waterford Crossing.
A closer look at the Waterford Crossing market
At a median of $330 per square foot, Waterford Crossing prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 0.8 months of supply, a seller-leaning market and the trailing-12-month median up 1% year over year. Homes that do trade take a median 5 days on market, useful leverage on any listing that has lingered.
The housing stock is 104 homes built between 1988 and 1998, and 88% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Waterford Crossing. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Waterford Crossing buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (8.4). Basis: Recent Direction +1.4% year-over-year; Liquidity & Demand 0.8 months of supply; Owner Commitment 88% owner-occupied; Pricing Power 98.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $85/month (about $1,020/yr) · median of 307 MLS listings, most billed twice a year
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $85 per month ($1,020 a year) - the median AssociationFee across 307 MLS records, normalised to a monthly figure; most are billed twice a year. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Waterford Crossing buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Waterford Crossing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Crossing, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Crossing home worth?
Get a no-obligation home value based on real comparable sales in Waterford Crossing, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palm Harbor →
Recently off market in waterford crossing ph ii
Homes in waterford crossing ph ii that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 2635 Jarvis Circle · off market
- 2782 Scobee Drive · off market
- 2807 Resnik Circle · off market
Frequently Asked Questions
What is the median home price in Waterford Crossing?
How long do homes in Waterford Crossing take to sell?
Is Waterford Crossing a buyer's or seller's market right now?
How many homes are in Waterford Crossing?
What share of Waterford Crossing is owner-occupied?
When were the homes in Waterford Crossing built?
What schools serve Waterford Crossing?
Who is the best real estate agent for Waterford Crossing?
How do I find a top Palm Harbor real estate agent who knows Waterford Crossing?
Can Momentum Realty connect me with an agent for Waterford Crossing?
Where is Waterford Crossing, and what county is it in?
Is Waterford Crossing a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34683)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2012 (44 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how waterford crossing ph ii fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Waterford Crossing
- Home values · What homes in Waterford Crossing actually sell for
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