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Single Family ResidenceResidential
$2,259,729$459 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $575,000 on Jun 24, 2002

109 HARBOR DR

PALM HARBOR, FL 34683
4
Beds
3.5
Baths
4,926 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
9
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2.3M
$1.9M low$2.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$575,000 · Jun 24, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$21,367 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,217,933 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,218,530
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,082,345

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.120 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.98%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent coastal flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPINELLAS
Lot (acres)The size of the land the home sits on, from county records.0.25
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Intracoastal
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Boat liftElevatorPorch · 1,675 ft²Boat accessOutdoor kitchen

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ozona ElementaryA+
Elementary · Grades PK–5 · 0.9 mi
M
Palm Harbor Middle SchoolC+
Middle · Grades 6–8 · 2.0 mi
H
Palm Harbor University HighA-
High · Grades 9–12 · 2.0 mi

District: Pinellas County School District

Neighborhood · ZIP 34683These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.69
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.33,726
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,585 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,752
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,401
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Palm Harbor 34683
  • Costs more per square foot than 98% of homes in Palm Harbor 34683
  • Among the largest homes in Palm Harbor 34683
  • Newer than 93% of homes in Pinellas County

What homes are worth in Palm Harbor 34683

Each bar is how many homes fall in that price range. The marker is this home.

This home
$147K$1.6M

This home is worth more than almost all homes in Palm Harbor 34683.

How it measures up in Palm Harbor 34683

The dot is this home. The mark in the middle is the typical home in Palm Harbor 34683.

Estimated value$2,259,729
CheaperTypical $488,272Pricier

Pricier than almost all homes nearby

Price per ft²$459
CheaperTypical $277Pricier

Pricier than 98% of homes nearby

Living area4,926 ft²
SmallerTypical 1,692 ft²Bigger

Bigger than almost all homes nearby

Lot size0.25 ac
SmallerTypical 0.24 acBigger

Bigger than 53% of homes nearby

Year built2003
OlderTypical 1985Newer

Newer than 92% of homes nearby

How 109 Harbor Dr ranks against every home in each area.
MeasureThis homeOzona VillagePalm Harbor 34683Pinellas County
Estimated valuepricier than$2,259,72998% of homesalmost all homesalmost all homes
Price per ft²pricier than$45984% of homes98% of homes90% of homes
Living areabigger than4,926 ft²98% of homesalmost all homesalmost all homes
Lot sizebigger than0.25 ac45% of homes53% of homes63% of homes
Year builtnewer than200387% of homes92% of homes93% of homes

About 109 Harbor Dr

How much is 109 Harbor Dr, Palm Harbor, FL worth?

The TopHap Estimate for 109 Harbor Dr, Palm Harbor, FL is $2,259,729 as of Aug 30, 2026. The likely range is $1,936,340 to $2,583,118. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Harbor Dr, Palm Harbor, FL last sell?

109 Harbor Dr, Palm Harbor, FL last sold on Jun 24, 2002 for $575,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Harbor Dr, Palm Harbor, FL?

109 Harbor Dr, Palm Harbor, FL has 4 bedrooms, 3.5 bathrooms, 4,926 square feet of living space and a 0.25-acre lot.

When was 109 Harbor Dr, Palm Harbor, FL built?

109 Harbor Dr, Palm Harbor, FL was built in 2003, making it 23 years old. The building has 3 stories.

What schools serve 109 Harbor Dr, Palm Harbor, FL?

109 Harbor Dr, Palm Harbor, FL is assigned to Ozona Elementary (elementary), rated A+; Palm Harbor Middle School (middle), rated C+; Palm Harbor University High (high), rated A-. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Harbor Dr, Palm Harbor, FL compare to other homes in Palm Harbor 34683?

Among the 13,798 homes in Palm Harbor 34683, it is worth more than almost all of them ($2,259,729 against a typical $488,272), its price per square foot is higher than 98% of them ($459 against a typical $277), it is bigger than almost all of them (4,926 ft² against a typical 1,692 ft²), its lot is bigger than 53% of them (0.25 ac against a typical 0.24 ac) and it is newer than 92% of them (2003 against a typical 1985). Measured against all of Pinellas County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Harbor Dr, Palm Harbor, FL?

The 2025 property tax bill for 109 Harbor Dr, Palm Harbor, FL was $21,367. The county assessed it at $1,217,933.

More homes on Harbor Dr

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