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1382 SUTTON PLACE DRIVE, Palm Harbor, FL, 34683

3beds
2baths
1,869sqft
$580,000
$310price/sqft
$4,502/moest. monthly cost
$180,080/yrincome needed

About This Home

NO HOA | NO FLOOD ZONE | POOL HOME | FULLY FURNISHED | PALM HARBOR UNIVERSITY HIGH SCHOOL DISTRICT Rarely available and meticulously maintained, this 3-bedroom, 2-bath pool home is located in one of Palm Harbor’s most desirable neighborhoods. Situated on elevated ground in a non-flood zone, this quiet community features a single entrance with no through traffic, offering both privacy and convenience. Enjoy the rare ability to walk to Palm Harbor University High School, home to the nationally recognized International Baccalaureate (IB) Programme and Center for Wellness & Medical Professions. The home is also just minutes from historic downtown Palm Harbor, the Pinellas Trail, local restaurants, breweries, parks, Honeymoon Island, Dunedin, Tarpon Springs, and Florida’s award-winning Gulf beaches. Major improvements began in 2020 with a new roof and chimney with transferable warranty, pool resurfacing, and new wood fencing. Since then, the current owner has invested over $100,000 in thoughtful updates and maintenance, including luxury flooring throughout, new baseboards, interior and exterior paint, electrical panel replacement, updated lighting and fixtures, kitchen backsplash, appliances, sink and faucet, guest bathroom vanity, plumbing fixture upgrades, garage door opener, pool equipment, extensive tree removal and landscaping, and a custom Costa Rica-inspired tropical rockscape. The HVAC system has also been professionally inspected and serviced to ensure excellent operating condition. The split-bedroom floor plan offers both privacy and flexibility. The spacious primary suite features a versatile sitting area ideal for a home office, nursery, reading nook, or fitness space, along with dual closets, including a walk-in closet, and a walk-in shower. Vaulted ceilings and a beautiful stone wood-burning fireplace create a warm focal point in the family room, while the kitchen pass-through window makes entertaining on the screened lanai and around the private pool effortless. Outside, the low-maintenance tropical landscaping provides exceptional curb appeal, while the spacious backyard offers plenty of room to relax or create your own outdoor retreat. Offered fully furnished, including televisions, washer and dryer, lawn equipment, and most furnishings, this home presents a rare turnkey opportunity as a primary residence, seasonal getaway, or investment property. Priced in line with a recent third-party appraisal completed during the seller’s refinance process, this move-in-ready home offers exceptional value with NO HOA, NO flood insurance requirement, and the peace of mind that comes with extensive recent improvements. Property is being sold as-is for the seller’s convenience.

Getting Around

40
WalkingCar-Dependent
22
TransitMinimal Transit
51
BikeBikeable

Schools

10/10
5/10

Construction

Condition

  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Refrigerator
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Cathedral Ceiling(s)
  • Door features: Sliding Doors
  • Flooring: Laminate
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,831
  • Total interior livable area: 1,869 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 362715887100000230
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Private Mailbox,Private Yard,Rain Gutters,Sidewalk

Lot

  • Lot size: 9,775 sqft
  • Lot size dimensions: 85 x 115

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Tornado
Hail
Heat Wave
Inland Flooding
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 $2,932$35,184
Home Insurance *$578$6,936
Property Taxes $795$9,540
Electricity $197$2,366
Total$4,502$54,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,354/yr
40% on housing$135,060/yr
45% on housing$120,053/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

$310This 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
2026-07-22Price change$580,000
2026-07-08Price change$590,000
2026-06-18Listed for sale$599,000
2020-09-02Sold$363,000
2020-07-29Pending sale$379,000
2020-07-29Listed for sale$379,000
2020-06-19Listing removed$379,000
2020-06-05Pending sale$379,000
2020-05-01Listed for sale$379,000

For Sale by Agent

AgentMAX Upchurch
BrokerageUPCHURCH REALTY LLC

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