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.

53 waterfront homes are for sale or pending in Palm Harbor, FL today across 37 communities. The median asking price is $574,900, from $110,000 to $4,950,000. Listings in Palm Harbor without that feature have a median of $659,450. Most listings right now: Baywood Village (5), El Pasado A Condo (3), Indian Bluff Island 2Nd Add (2). Updated September 8, 2026 from the MLS.

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	5	1	$745,000	$649,000
El Pasado A Condo	3	0	$272,000	$225,000
Indian Bluff Island 2Nd Add	2	0	$2,533,000	$1,316,000
Grand Cypress On Lake Tarpon	2	0	$1,024,500	$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	$644,950	$499,900
Lake Shore Estates 1St Add	2	0	$607,499	$415,000
Lake Tarpon Mobile Home Village	2	0	$364,900	$349,900
Baywood On The Gulf 1 Condo	2	0	$232,000	$185,000
Highland Lakes Condo	2	0	$125,000	$110,000
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
Indian Bluff Island	1	0	$1,459,000	$1,459,000
Ozona Shores 3Rd Add	1	0	$979,000	$979,000
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
Baywood Village Sec 2	1	0	$574,900	$574,900
Beacon Groves	1	0	$539,000	$539,000
Tampa & Tarpon Spgs Land Co	1	0	$530,000	$530,000
Chattam Landing Ph Ii	1	0	$499,400	$499,400
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
Meadow Brook Sub 1St Add	1	0	$390,000	$390,000
Tuscany At Innisbrook Condo	1	0	$368,000	$368,000
Dolly Bay A Village On Lake Tarpon	1	0	$275,000	$275,000
Tarpon Woods Condo	1	0	$275,000	$275,000
Highland Lakes Villas On The Green	1	0	$269,000	$269,000
Presidents Landing Ph 1	1	0	$195,000	$195,000
Lake Tarpon Villas Condo	1	0	$159,000	$159,000
Harbor Club Condo	1	0	$153,000	$153,000

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?

As of September 8, 2026, 53 Palm Harbor, FL listings whose MLS record reports waterfront are active or pending, across 37 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Palm Harbor?

The median asking price today is $574,900, with listings from $110,000 to $4,950,000. Palm Harbor listings without that feature have a median of $659,450.

Which Palm Harbor community has the most waterfront homes for sale?

Baywood Village has the most right now (5), followed by El Pasado A Condo (3), Indian Bluff Island 2Nd Add (2), Grand Cypress On Lake Tarpon (2).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Palm Harbor

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.

Listings courtesy of Stellar MLS as distributed by MLS GRID.