The Waterford
Homes for Sale in Palm Harbor, FL
All 549 homes for sale in Palm Harbor, FL · median $375,000 · 75 homes for sale in 34685 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
The Waterford is a community in Palm Harbor, Pinellas County, FL (ZIP 34685). Across Palm Harbor as a whole, 852 homes closed in the last 12 months at a median of $365,000, 46 median days on market, with 238 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,080 ($6,260 with the full homestead exemption).
The facts we can stand behind for The Waterford are thin: it sits in Palm Harbor, in Pinellas County, and our snapshot is current as of mid-2026. We don't have a median price, days-on-market, or inventory count in front of us, so anything we told you about pricing here would be a guess — and we don't guess on your money.
What that means in practice: before you write an offer or set a list price in The Waterford, insist on a fresh, address-specific comparable analysis. Small Pinellas communities can swing hard on condition, water access, and lot, and without live numbers the smart posture is patience — gather the data first, then move.
Nearby homes for sale
No active listings inside The Waterford right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
The Waterford is a Palm Harbor community in Pinellas County. We're publishing this with a limited snapshot, so treat it as a starting point and let current listing data fill in the pricing picture.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who The Waterford is best for.
Best for
- Buyers targeting a specific Palm Harbor community who will let condition and location drive the offer
- Sellers who want a data-first list price built on current comparables rather than a rule of thumb
- Patient buyers comfortable waiting for a live comparable analysis before committing
Probably not for
- Buyers who need a published price range before they'll engage
- Anyone who wants to move on an offer today without fresh market data
- Sellers looking for a valuation shortcut instead of address-specific comps
The market around The Waterford
The Waterford is a small community — 3 recorded sales on file, most recently in 2006 — too few for its own price trend. Here is the market around it.
In ZIP 34685, 108 homes are on the market and 26% are under contract — a steady corner of Palm Harbor.
Across Pinellas County, 6,999 homes are active and 1,872 pending (21% under contract).
The housing mix here is 86% condominium, 14% townhouse.
In ZIP 34685 (Palm Harbor), 226 homes closed in the last 12 months at a median of $445K ($240/sq ft), down 3.3% year over year, with a median 53 days on market. Right now 37 active and 10 pending listings put supply at about 4.3 months — a balanced market. See the live ZIP 34685 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not The Waterford specifically. Momentum Research analysis of MLS records.
The The Waterford buying strategy.
If we were buying in The Waterford 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 The Waterford.
The location and the amenities are priced into every listing in The Waterford. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Pinellas listing by listing rather than leaning on stale averages. In a community where we don't yet have a full statistical picture, that discipline matters: we'll pull live comparables for The Waterford, weigh condition and location honestly, and tell you plainly when the math doesn't support the move.
The Waterford in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 The Waterford 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 The Waterford sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Waterford, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your The Waterford home worth?
Get a no-obligation home value based on real comparable sales in The Waterford, 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 homes for sale in The Waterford on the map →
Should you buy in The Waterford?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-07-18 |
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 your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
More Palm Harbor & St. Petersburg & Pinellas County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of St. Petersburg & Pinellas County or the full Neighborhood Finder.
See how The Waterford fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about The Waterford
Where is The Waterford?
The Waterford is a community in Palm Harbor, Pinellas County, Florida, ZIP 34685.
Are there homes for sale in The Waterford right now?
No active listings inside The Waterford at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does The Waterford have an HOA or CDD?
No HOA is on record for The Waterford in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near The Waterford with Momentum Realty’s local guides.
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.