1686 SMITH LANE Palm Harbor, FL $ 610,000
1686 SMITH LANE
$ 610,000
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1686 SMITH LANE

Palm Harbor, FL, 34683
$ 610,000
Bedrooms4 Baths2.1 Sq 2,542

Monthly Estimate*

$ 3,756

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Single Family Home for sale in Palm Harbor, FL

for $610,000 with 4 bedrooms and 2 full baths, 1 half bath. This 2,542 square foot home was built in 1992 on a lot size of 0.22.

Welcome to life in Waterford Crossing, one of Palm Harbor’s established communities where sidewalks wind throughout the neighborhood and neighbors enjoy evening strolls beneath mature trees. Zoned for A-rated schools, this two-story home offers over 2,500 square feet of living space on nearly a quarter-acre lot and has been lovingly maintained by its original owner for the past 30 years. With solid bones and a thoughtful layout, it presents the perfect opportunity to update and customize to your personal style. Inside, you’ll find four bedrooms, two and a half bathrooms, and flexible living spaces designed for both everyday comfort and entertaining. A separate living room and convenient half bathroom on the first floor create an ideal setup for guests. The kitchen offers a functional layout with abundant counter space, generous storage, and stainless steel appliances, plus an eat-in area that flows seamlessly into the family room. Here, a dramatic two-story fireplace serves as the focal point, framed by beautiful arched windows that fill the space with natural light. A first-floor bedroom provides flexibility for a home office or guest suite. Upstairs, the owner’s suite features double closets and an ensuite bathroom complete with dual sinks, a soaking tub, and a separate walk-in shower. Additional bedrooms and a full guest bathroom are also located upstairs, offering privacy and space for family or visitors. Step outside to a screened-in lanai overlooking the fenced backyard and paver patio, perfect for grilling and enjoying Florida evenings. Located in one of Palm Harbor’s most desirable coastal pockets, this home places you near everything that makes the area so sought after. Tucked between the Gulf of Mexico and Lake Tarpon, residents enjoy a charming blend of small-town character and outdoor living. You’re just minutes from the locally loved restaurants, boutiques, and breweries of downtown Palm Harbor, as well as the Pinellas Trail for biking and walking. Nearby waterfront gems like Wall Springs Park, Crystal Beach, and the shoreline of St. Joseph Sound offer easy access to kayaking, fishing, and sunset views. Golf enthusiasts will appreciate the proximity to Innisbrook Resort, home of the PGA Valspar Championship, while beach lovers can quickly reach Honeymoon Island, the Dunedin Causeway, and Tarpon Springs. This is your opportunity to own a well-cared-for home in a prime Palm Harbor location and make it truly your own.

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Single Family Active

Price

$ 610,000

Bedrooms

4

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 3,529

Style

Single Family Residence

Lot Size

0.22

Year Built

1992

Town/City

Palm Harbor

County/Region

Pinellas

MLS | Web ID

TB8480997

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities BB/HS Internet Available Cable Available Public
Roof Shingle
Appliances Dryer Microwave Range Refrigerator Washer
Zoning R-3
HOA Fee 512.75
Garage Spaces 2
Construction Materials Block Stucco
Pets Allowed Yes
Year Built 1992
Electric Photovoltaics Third-Party Owned
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Community Features Deed Restrictions Park Playground
Assoc Fee Paid Per Semi-Annually
County Pinellas
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name WATERFORD CROSSING PH II
Facing Direction South
Garage Y/N true
Green Energy Generation Solar
Total Rooms 3
Full Baths 2
Status Active
Directions From Main St Turn right onto Belcher Rd. Turn left onto Curlew Rd. Turn right onto Omaha St. Turn left onto Smith Ln. Turn right at the 1st cross street to stay on Smith Ln. Home will be on the right.
High School Dunedin High-PN
City PALM HARBOR
Association Name Proactive Property Mgmt
Senior Community Y/N false
MLS Area 34683 - Palm Harbor
Lot Size Units Square Feet
Lot Size Square Feet 9601
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Spa Features Above Ground
Elementary School San Jose Elementary-PN
Land Lease Y/N false
Tax Annual Amount 3529
Middle/Junior High School Palm Harbor Middle-PN
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.propertypanorama.com/instaview/stellar/TB8480997
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 112
Legal Description WATERFORD CROSSING PHASE II LOT 112
Minimum Lease 8-12 Months
Water Access Y/N false
Monthly HOA Amount 85.46
Water View Y/N false
Flood Zone Code X
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Interior
Interior Amenities Ceiling Fan(s) Eating Space In Kitchen High Ceilings Kitchen/Family Room Combo Solid Surface Counters
Flooring Carpet Tile
Furnished Y/N Furnished
Fireplace Features Living Room
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Half Baths 1
Laundry Features Laundry Room
Total Bedrooms 4
Total Baths 3
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Exterior
Exterior Amenities Private Yard Sidewalk Sliding Doors
Parking Features Driveway
Water Source Public
Lot Size Area 9601
Foundation Details Slab
Spa true
Building Area Total 3184
Lot Size Acres 0.22
Road Surface Type Paved
Private Pool false
Waterfront Y/N false
Covered Spaces 2
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* Excluded Features
List By
Mavrealty

Broker

TerryBrusini@gmail.com

Email

Affordability Calculator

$4,050
Per Month
93%
7%
0%
Monthly Principal & Interest
$3,756
Monthly Property Taxes
$294
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
Dunedin High-PN High School High School
Pricing History
DatePricePrice ChangeDescription
2/27/2026$610,000 Listed Price

Map


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1686 SMITH LANE, Palm Harbor, FL, 34683 is a Single Family Home for sale at $610,000 with 2,542 sqft and a lot size of 0.22. 1686 SMITH LANE has 4 bedrooms, 2.1 baths, and was built in 1992. The property's zip code is 34683 which is in Palm Harbor, FL