
6890 COUNTY ROAD 95, PALM HARBOR, FL, 34684
Active136 days on marketListed Mar 20, 2026MLS #TB8488562
About this home
6890 COUNTY ROAD 95
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.
Facts & features
The home at a glance
6
Bedrooms
6
Bathrooms
3,338
Sqft
3.13 ac
Lot size
1983
Year built
Two
Levels
$239
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,497 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,497/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs ACREAGE & UNREC
$239 vs $381
Days on market
136 vs 42 typical
Where $239/sqft sits among the 120 homes for sale in ACREAGE & UNREC
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
41 of 120
ACREAGE & UNREC have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 220% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 6890 COUNTY ROAD 95
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,250,000
11619 LANE PARK ROAD · same community
5 bd · 4 ba · 2,964 sqft · $422/sqft · 238 DOM
Sold · Feb ’26$902,500
16647 E SHIRLEY SHORES ROAD · same community
4 bd · 3 ba · 2,726 sqft · $331/sqft · 143 DOM
Sold · Nov ’25$650,000
5850 LAKE LIZZIE DRIVE · same community
4 bd · 3 ba · 2,639 sqft · $246/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6890 COUNTY ROAD 95 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6890 COUNTY ROAD 95 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
6890 COUNTY ROAD 95 FAQs
What would the monthly payment be for 6890 COUNTY ROAD 95?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,497/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 6890 COUNTY ROAD 95?+
The most recent tax bill on record (2025) was $8,713. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 6890 COUNTY ROAD 95?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $799,000, this home is listed about 113% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6890 COUNTY ROAD 95?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$799,000 runs 220% above the PALM HARBOR 34684 median — but at 3,338 sqft it's also nearly twice the size of the typical Palm Harbor listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
136 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $899,000, now $799,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Donald Hathaway, III. MLS #TB8488562.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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