New Construction Homes in Palm Harbor, FL
Palm Harbor is in Pinellas County, Florida (ZIP codes 34683, 34684, 34685). · Homes for sale in Palm Harbor · Pinellas County
15 new-construction homes are listed for sale in Palm Harbor right now, across 3 communities and 1 builders. Most list between $362K to $747K; the median new build is $375,990 ($257/sq ft, typically 1,464 sq ft, 3 bedrooms). Everything on this page is from Momentum’s MLS record as of 2026-09-06 and refreshes as homes list and sell.
Newest new-construction listings in Palm Harbor
The most recently listed new homes in Palm Harbor, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in Palm Harbor
Every Palm Harbor community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Harbor Landing | D.R. Horton | 10 | $357,000 |
| Montrose at Innisbrook | — | 4 | $668,000 |
| Baywood Village | — | 1 | $1.80M |
Builders building in Palm Harbor right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- D.R. Horton — 10 new homes in Harbor Landing
New construction in Palm Harbor by price
- $300K – $400K: 10 homes
- $500K – $750K: 4 homes
- $1M and up: 1 home
What a new build in Palm Harbor costs to own
Take the median $375,990 new home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,943/month. Pinellas County’s typical millage of 19.39 puts property tax near $6,320/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Pinellas County is about $1,911/year; a new roof and current code usually earn a better private quote than that average. Where an HOA is listed the median is $136/month. All in, plan on roughly $2,765/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore Palm Harbor
- Moving to Palm Harbor: the data guide
- Best neighborhoods in Palm Harbor
- Cost of living in Palm Harbor
- All new-construction builders in Florida
- Search every Palm Harbor community
Common questions
How many new construction homes are for sale in Palm Harbor?
Who is building new homes in Palm Harbor?
What does a new construction home cost in Palm Harbor?
What is the monthly cost of a $375,990 new build in Palm Harbor?
Should I use my own agent to buy new construction?
Do builders negotiate on price?
<a href="https://movewithmomentum.com/new-construction-homes-palm-harbor">New Construction Homes in Palm Harbor, FL: 15 New Homes from $362K (September 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Palm Harbor communities as of 2026-09-06; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.