$610,000
PENDING

1686 Smith Ln Palm Harbor, FL 34683

Estimated payment $3,468/month

Total Views 1,113
4 Beds
2.5 Baths
2,542 Sq Ft
$240 Price per Sq Ft

Highlights

  • Above Ground Spa
  • High Ceiling
  • Solid Surface Countertops
  • Solar Power System
  • Furnished
  • Family Room Off Kitchen

About This Home

Under contract-accepting backup offers. 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.

Listing Agent

Terry Lynn Brusini

MAVREALTY Brokerage Email: nina@Mavrealty.com License #3050897 Listed on: 02/27/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,529

Year Built

  • Built in 1992

Lot Details

  • 9,601 Sq Ft Lot
  • South Facing Home
  • Property is zoned R-3

HOA Fees

  • $85 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Bi-Level Home
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,542 Sq Ft Home
  • Furnished
  • High Ceiling
  • Ceiling Fan
  • Sliding Doors
  • Family Room Off Kitchen
  • Living Room with Fireplace

Kitchen

  • Eat-In Kitchen
  • Range
  • Microwave
  • Solid Surface Countertops

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Soaking Tub

Laundry

  • Laundry Room
  • Dryer
  • Washer

Schools

  • San Jose Elementary School
  • Palm Harbor Middle School
  • Dunedin High School

Utilities

  • Central Heating and Cooling System
  • High Speed Internet
  • Cable TV Available

Additional Features

  • Solar Power System
  • Above Ground Spa

Listing and Financial Details

Community Details

Overview

  • Proactive Property Mgmt Association, Phone Number (727) 942-4755
  • Waterford Crossing Ph II Subdivision
  • The community has rules related to deed restrictions

Recreation

  • Community Playground
  • Park

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,529

Year Built

Built in 1992

Lot Details

9,601 Sq Ft Lot

HOA Fees

$85 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 2542
  • Lot Size Acres: 0.22
  • New Construction: No
  • Year Built: 1992
  • Building Area Total: 3184
  • Lot Size Sq Ft: 9601
  • Status: Pending
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 295.80
  • Escrow City: Belleair Bluffs
  • Escrow State: FL
  • Escrow Street Name: Indian Rocks Rd Suite B
  • Minimum Lease: 8-12 Months
  • RATIO Current Price By Calculate: 239.97
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_SolarPanelOwnership: Leased
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: nina@Mavrealty.com
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Living Room
  • Living Area Units: Square Feet
  • Flooring: Carpet, Tile
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Solid Surface Counters
  • Appliances Included: Dryer, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Private Yard
  • Spa Features: Above Ground
  • Spa Yn: Yes
  • Living Area Meters: 236.16

Exterior Features

  • Direction Faces: South
  • Exterior Features: Private Yard, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Road Surface Type: Paved
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12103C0067H

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Public
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Park, Playground
  • Association Fee: 512.75
  • Association Fee Frequency: Semi-Annually
  • Association Name: Proactive Property Mgmt
  • Phone: 727-942-4755
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Association Fee Requirement: Required

Fee Information

  • Total Annual Fees: 1025.50
  • Total Monthly Fees: 85.46
  • Monthly HOA Amount: 85.46

Schools

  • Elementary School: San Jose Elementary-PN
  • High School: Dunedin High-PN
  • Middle Or Junior School: Palm Harbor Middle-PN

Lot Info

  • Zoning: R-3
  • Parcel Number: 13-28-15-95071-000-1120
  • Additional Parcels: No
  • Flood Zone Code: X

Green Features

  • Green Power: Solar

Rental Info

  • Furnished: Furnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Buyer to verify with HOA.

Tax Info

  • Tax Annual Amount: 3529
  • Tax Block: 000
  • Tax Book Number: 103-33
  • Tax Lot: 112

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,330 $241,999 -- --
2024 $3,274 $235,179 -- --
2023 $3,274 $228,329 $0 $0
2022 $3,178 $221,679 $0 $0
2021 $3,215 $215,222 $0 $0
2020 $3,206 $212,250 $0 $0
2019 $3,147 $207,478 $0 $0
2018 $3,101 $203,609 $0 $0
2017 $3,073 $199,421 $0 $0
2016 $3,046 $195,319 $0 $0
2015 $3,095 $193,961 $0 $0
2014 $3,022 $192,422 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
03/05/2026 03/05/26 Pending -- -- --
02/27/2026 02/27/26 For Sale $610,000 -- $240 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $152,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $43,000 New Conventional
Open $144,156 New Conventional
Closed $145,000 New Conventional
Closed $121,600 New Conventional
Source: Public Records

Source: Stellar MLS

MLS Number: TB8480997

Stellar MLS

APN: 13-28-15-95071-000-1120

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