Kat Bonelli
$799,000$899,0006 bd6 ba3,338 sqft$239 /sqft$5,497 /mo all-in ↓

6890 COUNTY ROAD 95, PALM HARBOR, FL, 34684

Active136 days on marketListed Mar 20, 2026MLS #TB8488562

Reduced $100KSingle Family ResidenceACREAGE & UNREC

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

FireplaceTrees/Woods viewPets allowed

Inside

FlooringHardwood
AppliancesBuilt-In Oven · Cooktop · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingHeat Pump · Wall Units / Window Unit

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationBlock
ViewTrees/Woods
FacesWest
ExteriorRain Gutters · Storage

Community & fees

Taxes (2025)$8,713/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$726
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $79,900
Interest rate6.00%
Loan term

Estimated payment

$5,497/mo

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property taxes (actual bill)$726
Est. insurance$160

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

60 · this home
30
16
2
3
9
$158–380$380–602$602–824$824–1046$1046–1268$1268+

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

Map of 6890 COUNTY ROAD 95

Drive times from this address

Tampa Int’l Airport (TPA)30 min
Downtown Tampa33 min

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

ElementarySutherland Elementary School★★★★★
HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller3.9 months of inventoryBuyer’s 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

CurrentPrice reduced to $799,000 $100K
Mar 20, 2026Listed at $899,000 · 136 days on market since
1983Built · ACREAGE & UNREC

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.

11619 LANE PARK ROADSold · Dec ’25

$1,250,000

11619 LANE PARK ROAD · same community

5 bd · 4 ba · 2,964 sqft · $422/sqft · 238 DOM

16647 E SHIRLEY SHORES ROADSold · Feb ’26

$902,500

16647 E SHIRLEY SHORES ROAD · same community

4 bd · 3 ba · 2,726 sqft · $331/sqft · 143 DOM

5850 LAKE LIZZIE DRIVESold · 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 6890 COUNTY ROAD 95 — start here.

Andrew Acosta

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.

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.

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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