Waterfront Homes for Sale in Palm Harbor, FL
This page tracks every Palm Harbor listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
57 waterfront homes are for sale or pending in Palm Harbor, FL today across 41 communities. The median asking price is $549,000, from $140,000 to $4,950,000. Listings in Palm Harbor without that feature have a median of $375,000. Most listings right now: Baywood Village (4), El Pasado A Condo (3), Baywood On The Gulf 1 Condo (3). Updated September 27, 2026 from the MLS.
Live waterfront homes in Palm Harbor: the listings
45 active listings carry the flag today (10% of Palm Harbor inventory), median asking $525,000, $283/sq ft, median 56 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Palm Harbor
The most expensive waterfront homes in Palm Harbor
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 4650 Ridge View Road | $4,950,000 | 7,836 | — |
| 119 Carlyle Circle | $2,300,000 | 3,526 | Indian Bluff Island |
| 412 Orchid Lane | $1,874,000 | 3,206 | Kramer F A |
| 303 Morningside Drive | $1,799,900 | 2,243 | baywood village |
| 302 Shore Drive | $1,590,000 | 4,188 | Burghstreamss |
| 3921 Arlington Drive | $1,150,000 | 3,198 | — |
| 2622 Grand Lakeside Drive | $1,000,000 | 3,094 | Grand Cypress On Lake Tarpon |
| 223 Pinecrest Drive | $979,000 | 1,574 | Ozona Shores |
| 3612 Windber Boulevard | $975,000 | 3,735 | — |
| 1648 Lago Vista Boulevard | $949,900 | 4,443 | Boot Ranch |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 12 | 27% |
| $300K–$500K | 10 | 22% |
| $500K–$750K | 8 | 18% |
| $750K–$1M | 8 | 18% |
| $1M+ | 7 | 16% |
Palm Harbor waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Baywood Village | 4 | 1 | $767,499 | $699,900 |
| El Pasado A Condo | 3 | 0 | $272,000 | $225,000 |
| Baywood On The Gulf 1 Condo | 3 | 0 | $179,900 | $175,000 |
| Indian Bluff Island 2Nd Add | 2 | 0 | $2,403,000 | $1,316,000 |
| Grand Cypress On Lake Tarpon | 2 | 0 | $974,500 | $949,000 |
| St Joseph Sound Estates | 2 | 0 | $959,950 | $769,900 |
| Boot Ranch - Eagle Watch | 2 | 0 | $822,450 | $695,000 |
| Lake Tarpon Estates | 2 | 0 | $627,500 | $475,000 |
| Lake Shore Estates 1St Add | 2 | 0 | $599,999 | $400,000 |
| Meadow Brook Sub 1St Add | 2 | 0 | $367,500 | $345,000 |
| Lake Tarpon Villas Condo | 2 | 0 | $164,950 | $149,900 |
| Tomaqua | 1 | 0 | $4,500,000 | $4,500,000 |
| Indian Bluff Island 3Rd Add | 1 | 0 | $2,300,000 | $2,300,000 |
| Kramer F A Sub | 1 | 0 | $1,874,000 | $1,874,000 |
| Burghstreamss Sub | 1 | 0 | $1,590,000 | $1,590,000 |
| Presidents Landing Ph 3 | 1 | 0 | $1,150,000 | $1,150,000 |
| Ozona Shores 3Rd Add | 1 | 0 | $979,000 | $979,000 |
| Westmonte Ests | 1 | 0 | $975,000 | $975,000 |
| Tarpon Woods Third Add | 1 | 0 | $770,000 | $770,000 |
| Fresh Water Estates | 1 | 0 | $749,900 | $749,900 |
| Berisford | 1 | 0 | $669,900 | $669,900 |
| Lake Valencia - | 1 | 0 | $650,000 | $650,000 |
| Lake Valencia Unit One | 1 | 0 | $599,999 | $599,999 |
| Baywood Village Sec | 1 | 0 | $565,000 | $565,000 |
| Severs Landing Ph I | 1 | 0 | $549,000 | $549,000 |
| Beacon Groves | 1 | 0 | $525,000 | $525,000 |
| Parkside At Lansbrook | 1 | 0 | $499,990 | $499,990 |
| Chattam Landing Ph Ii | 1 | 0 | $499,400 | $499,400 |
| Tampa & Tarpon Spgs Land Co | 1 | 0 | $480,000 | $480,000 |
| Ryans Woods | 1 | 0 | $449,900 | $449,900 |
| Salem Square | 1 | 0 | $420,000 | $420,000 |
| Lake Shore Estates 3Rd Add | 1 | 0 | $419,900 | $419,900 |
| Lake Tarpon Mobile Home Village Unit 2-A | 1 | 0 | $394,000 | $394,000 |
| Tuscany At Innisbrook Condo | 1 | 0 | $368,000 | $368,000 |
| Lake Tarpon Mobile Home Village | 1 | 0 | $349,900 | $349,900 |
| Tarpon Woods Condo | 1 | 0 | $275,000 | $275,000 |
| Dolly Bay A Village On Lake Tarpon | 1 | 0 | $269,900 | $269,900 |
| Highland Lakes Villas On The Green | 1 | 0 | $269,000 | $269,000 |
| Presidents Landing Ph 1 | 1 | 0 | $195,000 | $195,000 |
| Harbor Club Condo | 1 | 0 | $153,000 | $153,000 |
| Highland Lakes Condo | 1 | 0 | $140,000 | $140,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Palm Harbor?
What do waterfront homes cost in Palm Harbor?
Which Palm Harbor community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Palm Harbor
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- Palm Harbor gated community homes
- Palm Harbor 4-bedroom homes
- Palm Harbor homes under $300K
- Palm Harbor homes $300K–$500K
- Waterfront Homes in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Palm Harbor, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.