An unincorporated city, Palm Harbor keeps its residential areas and commerce concentrated in different areas. East Lake is the largest residential area, with almost 6,000 homes already occupied. Crystal Beach provides residents with an older community feel with unique homes and beach living. Ozona is a great residential area for fishers and boaters alike. Residents who head downtown enjoy a wide array of small restaurants and shops. Historic buildings and museums are open and available to peruse after a fun day of shopping. Downtown is the location of festivals and fairs throughout the year, including First Friday Celebrations and Taste of Palm Harbor festival. Towards Highway 19, residents can find national chains and bigger hubs of commerce.

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Sitting on the west coast of Florida, Palm Harbor brings high-end living to the beach. Complete with single family homes throughout the area, townhouses and high rise apartments make up the coastal living arrangements. Inland, residents can enjoy lush and large, green yards and palm trees everywhere in sight. On the coast, residents wake up to sand and waves as the sun comes up from the east.

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