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131 Pennsylvania Ave, Palm Harbor, FL, 34683

4beds
2baths
1,663sqft
$592,000
$356price/sqft
$4,555/moest. monthly cost
$182,200/yrincome needed

About This Home

Discover the perfect blend of coastal charm, modern luxury, and energy efficiency in this beautifully crafted 4-bedroom, 2-bathroom home. Perfect location tucked away yet close to everything, this exceptional home offers the best of Florida living. Step inside to a spacious and inviting foyer with soaring ceilings and beautiful chandeliers that set the tone for the thoughtfully designed split-bedroom floor plan. Enjoy cooking in the gourmet kitchen featuring a gas stove, white soft-close cabinetry, gleaming granite countertops, stainless steel appliances, under-cabinet lighting, and gorgeous island with breakfast bar. Open concept living and dining area provides tons of natural light and a gas fireplace thats perfect for entertaining and family gatherings. Beautiful elegant grey oak tile flooring and custom light fixtures throughout the home. Desirable floor plan is perfect for home office or guest also includes a dedicated laundry room and an oversized 2-car garage for all your storage needs. Enjoy remarkably low electric bills thanks to energy-efficient features tankless water heater, washer and dryer and a gas line plumbed for the outdoor grill. This charming golf cart-friendly neighborhood offers a relaxed coastal lifestyle. Just a short walk or bike ride to Live Oak Park with water access for kayaking, paddle boarding, swimming, and breathtaking sunsets on the brand new pier. Hop on the Pinellas Trail and explore Downtown Palm Harbor, Dunedin, and Tarpon Springs, where you can explore vibrant shops, dining, and cultural experiences. Zoned for some of Pinellas County's most desirable schools. Don't miss the opportunity to make it yours schedule your private showing today!

Getting Around

65
WalkingSomewhat Walkable
23
TransitMinimal Transit
78
BikeVery Bikeable

Schools

9/10
Ozona Elementary SchoolGrades PK-51.4 mi
5/10

Construction

Condition

  • Property condition: Completed
  • Year built: 2016

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Other,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Gas Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Outdoor Grill,Sliding Doors
  • Flooring: Tile
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,448
  • Total interior livable area: 1,663 sqft

Kitchen

  • Features: Pantry
  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 352715198720840040
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Enclosed,Front Porch,Rear Porch,Screened
  • Exterior features: Lighting,Outdoor Grill,Private Mailbox
  • Residential vegetation: Oak Trees,Trees/Landscaped

Lot

  • Lot size: 5,915 sqft

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Cold Wave
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,993$35,916
Home Insurance *$590$7,080
Property Taxes $775$9,300
Electricity $197$2,366
Total$4,555$54,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$156,171/yr
40% on housing$136,650/yr
45% on housing$121,466/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$356This listing

vs Other Active Listings

Avg $/sqft

ZIP 34683$276
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 34683$295
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-08Price change$592,000
2026-03-06Listed for sale$610,000
2025-10-01Listing removed$610,000
2025-06-26Price change$610,000
2025-02-14Price change$620,000
2024-12-06Price change$630,000
2024-10-04Price change$640,000
2024-08-30Price change$645,000
2024-07-03Price change$650,000
2024-06-20Listed for sale$670,000
2022-04-12Sold$620,000
2022-03-09Pending sale$620,000
2022-03-02Listed for sale$620,000
2016-12-29Sold$299,000
2016-08-25Listing removed$88,900
2016-07-22Listed for sale$88,900
1997-04-18Sold$19,000

For Sale by Agent

AgentAmy McCormick Bowles
BrokerageCENTURY 21 BEGGINS

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