




6890 County Road 95, Palm Harbor, FL, 34684
About This Home
Opportunities like this don’t come around often in Palm Harbor. Set on 3.13 acres, this one of a kind property offers a rare chance to create something truly special. Whether you're looking to restore its character, build a private compound, or explore development potential, the options here are wide open. The existing two story home was originally designed to reflect a classic farmhouse, featuring exposed cedar beams, tongue and groove wood flooring, and a warm, timeless feel throughout. The main level includes a spacious living area, dining space, kitchen, and laundry. There is also an attached in law suite with its own entrance, living room, bedroom, bathroom, walk in closet, and kitchenette. This setup works well for extended stays or flexible living. A second structure on the property, originally a barn, has been converted into additional living space with 2 bedrooms, 2 bathrooms, living room, and kitchen adding even more flexibility. The land is where this property really stands out. With approximately 2 acres of usable space due to a utility easement, there is plenty of room to bring your vision to life. You can create a private estate, add additional structures, or explore the potential for a small residential development. Located directly near a public elementary school and just minutes to shopping, dining, and everyday conveniences. You are also about 15 minutes from Honeymoon Island and some of the best beaches in the area. Whether you are a buyer with vision or a builder looking for your next project, this is a rare opportunity to secure acreage in a highly desirable Palm Harbor location.
Getting Around
Schools
Construction
Condition
- Property condition: Completed
- Year built: 1983
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Custom
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven,Cooktop,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Laundry Room
Bedroom2
- Features: Built-in Closet
- Level: Second
- Area: 192
- Dimensions: 12x16
Bedroom3
- Features: Built-in Closet
- Level: Second
- Area: 192
- Dimensions: 12x16
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 6
- Full bathrooms: 6
Features
- Ceiling Fan(s),Living Room/Dining Room Combo,Open Floorplan,PrimaryBedroom Upstairs,Stone Counters,Walk-In Closet(s),In-Law Floorplan
- Flooring: Hardwood
- Fireplace features: Living Room,Other Room,Master Bedroom,Wood Burning
- Fireplace: Yes
Heating & Cooling
- Heating features: Heat Pump,Wall Units / Window Unit
- Cooling features: Central Air,Ductless
Interior Area
- Total structure area: 3,338
- Total interior livable area: 3,338 sqft
Kitchen
- Features: No Closet
- Level: First
- Area: 130
- Dimensions: 13x10
Living Room
- Features: No Closet
- Level: First
- Area: 195
- Dimensions: 13x15
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: Second
- Area: 192
- Dimensions: 12x16
Property
Details
- Parcel number: 182816000001100400
- Zoning: A-E
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Front Porch
- Exterior features: Rain Gutters,Storage
- Fencing: Chain Link
- Has view: Yes
- View description: Trees/Woods
- Residential vegetation: Mature Landscaping,Oak Trees,Trees/Landscaped
Lot
- Lot size: 3.13 Acres
- Features: In County,Irregular Lot
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
- Cold Wave
- Hurricane
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,040 | $48,480 |
| Home Insurance * | $885 | $10,620 |
| Property Taxes | $1,097 | $13,164 |
| Electricity | $335 | $4,031 |
| Total | $6,357 | $76,284 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Price change | $849,000 |
| 2026-03-20 | Listed for sale | $899,000 |
| 2014-04-10 | Sold | $279,900 |
| 2014-02-05 | Listed for sale | $279,900 |
| 2013-08-19 | Sold | $175,100 |
| 2005-07-08 | Sold | $85,000 |
