Indian Bluff Island
Homes for Sale in Palm Harbor, FL
All 549 homes for sale in Palm Harbor, FL · median $375,000 · 167 homes for sale in 34683 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of October 2026, Indian Bluff Island 3Rd Add in Palm Harbor, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $1,350,000, $500 per square foot, a median 85 days on market, sellers accepting 83% of original asking. Homes listed or recently sold were built 1962–1999; 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $26,170 ($25,360 with the full homestead exemption).
| Location | Palm Harbor, Pinellas County, FL · ZIP 34683 |
|---|---|
| Homes in the community | 77 (FL DOR 2025 assessment roll) |
| Years built | 1957–2023 (median 1972) |
| Typical living area | 3,032 sq ft (median) |
| Amenities listed by sellers | Park, Security Lights, Security System |
| Sale prices, last 12 months | $1,350,000 median across 3 closed sales · $500 per sq ft |
| Days on market (closed sales) | 85 median |
| For sale right now | 1 active, 0 pending · median asking $2,300,000 · 4.0 months of supply |
| Owner-occupied (homestead) share | 86% |
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, “Indian Bluff Island 3Rd Add key facts,” movewithmomentum.com/neighborhoods/indian-bluff-island-3rd-add, data as of September 20, 2026.
Last 30 days in Indian Bluff Island: 1 new listing (median asking $2,300,000). As of October 2, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Indian Bluff Island sits in Palm Harbor's waterfront pocket along Pinellas County's coast, and that setting is what drives price more than any single stat. On an island address, what a home is worth turns heavily on the specifics: water frontage versus interior lot, dock and seawall condition, elevation, and how recently the house has been updated. Two homes a block apart can be priced very differently for those reasons.
For a buyer, that means the work is in the details, not the sticker. Read each listing on its own terms and budget for what waterfront ownership actually requires. For a seller, condition and the state of your water access carry the negotiation. A home that presents move-in ready and shows its dock and shoreline honestly holds its ground; deferred maintenance gets priced in fast.
Indian Bluff Island right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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: Low (1 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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
Indian Bluff Island market snapshot (as of September 20, 2026): the median sale price is about $1.35M ($500 per sq ft over the trailing 12 months of closed sales), a median 85 days on market for closed sales, and 4.0 months of supply, a balanced market.
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 6 qualified sales in Indian Bluff Island across 2024–2025 (1 in 2024, 5 in 2025), median $1M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Indian Bluff Island is a community of 77 homes in Palm Harbor, Pinellas County, built between 1957 and 2023 (median 1972), with a median living area of about 3,032 square feet. 86% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Indian Bluff Island 3Rd Add is a small waterfront-oriented enclave in Palm Harbor, in coastal Pinellas County. It rewards buyers who care about water access and are prepared for the ownership costs that come with it.
The setting & the homes.
Aerial and on-site photos of Indian Bluff Island. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Indian Bluff Island; content deemed reliable but not guaranteed.
Who Indian Bluff Island is best for.
Best for
- Buyers set on waterfront living who have budgeted for dock, seawall, and insurance costs on top of the purchase
- Buyers who value a scarce, water-oriented location and will do the diligence to earn it
- Buyers comfortable evaluating each lot individually rather than shopping to a price band
Probably not for
- Buyers who want a predictable price range and easy comparables
- Buyers seeking the lowest possible carrying costs and minimal maintenance
- Buyers unwilling to underwrite flood, insurance, and shoreline-upkeep exposure
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 ($1.35M) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 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.
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 (2026-10-02).
Indian Bluff Island Market Scorecard
Indian Bluff Island is currently a balanced market. About 4.0 months of supply, a median asking price of $2,300,000, and homes go under contract in about 20 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 Indian Bluff Island 3Rd Add, 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 Indian Bluff Island
Live MLS inventory for Indian Bluff Island. 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 Indian Bluff Island 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 Indian Bluff Island 3Rd Add Right Now (1)
All 1 active and pending Indian Bluff Island 3Rd Add listings with a detail page, newest first, refreshed twice a day from the MLS.
- 119 Carlyle Circle · $2,300,000 · 4 bd / 4 ba · listed Aug 21, 2026 · listed by Charles Rutenberg Realty Inc
Indian Bluff Island 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
- Sutherland Elementary-PN · Elementary
- Palm Harbor Middle-PN · Middle
- Palm Harbor Univ High-PN · High
Zoned schools reflect the assignments reported on recent Indian Bluff Island 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 Indian Bluff Island address.
Shop the zone: Homes zoned for Palm Harbor Univ High-Pn High School
The Indian Bluff Island buying strategy.
If we were buying in Indian Bluff Island 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Indian Bluff Island.
What an island address actually means here
The value spread in a community like this is condition-driven and location-driven within the island itself. Direct water frontage, a usable dock, and a sound seawall command a premium; interior lots and homes needing updates sit lower. Because the inventory is limited and the lots differ, there is no tidy price band to point to — each sale reflects its own combination of frontage, elevation, and finish.
Practical diligence matters more here than in a typical inland subdivision. Flood zone and insurance implications, seawall and dock permits, and elevation all belong on your checklist before you fall for a view. These are the factors that separate a strong buy from an expensive lesson on the water.
The location and the amenities are priced into every listing in Indian Bluff Island. 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 Indian Bluff Island 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 3 factors (4.9). Basis: Liquidity & Demand 4.0 months of supply; Owner Commitment 86% owner-occupied; Pricing Power 83.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Waterfront in Palm Harbor is a details game, and we treat it that way. We read each lot on its own — frontage, dock, seawall, elevation, insurance exposure — and price accordingly rather than by neighborhood average. When a listing is not the right fit for your goals or budget, we say so.
Indian Bluff Island in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $8/month · median of 38 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $8 per month — the median AssociationFee across 38 MLS records, normalised to a monthly figure; most are billed annually. 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 Indian Bluff Island 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 Indian Bluff Island sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Indian Bluff Island, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Indian Bluff Island home worth?
Get a no-obligation home value based on real comparable sales in Indian Bluff Island, 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 Indian Bluff Island 3Rd Add
Homes in Indian Bluff Island 3Rd Add 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. 1 on record.
- 110 Carlyle Circle · off market
Frequently Asked Questions
What is the median home price in Indian Bluff Island?
How long do homes in Indian Bluff Island take to sell?
Is Indian Bluff Island a buyer's or seller's market right now?
How many homes are in Indian Bluff Island?
What share of Indian Bluff Island is owner-occupied?
When were the homes in Indian Bluff Island built?
Who is the best real estate agent for Indian Bluff Island?
How do I find a top Palm Harbor real estate agent who knows Indian Bluff Island?
Can Momentum Realty connect me with an agent for Indian Bluff Island?
Where is Indian Bluff Island, and what county is it in?
Should you buy in Indian Bluff Island?
An honest fit check. We will tell you when it is not your community.
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 (1 streets, ZIP 34683)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (19 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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See how Indian Bluff Island 3Rd Add fits the bigger picture — live prices, inventory, and Momentum Scores:
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