1686 Smith Ln Palm Harbor, FL 34683
Estimated payment $3,468/month
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
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
- Visit Down Payment Resource Website
- Tax Lot 112
- Assessor Parcel Number 13-28-15-95071-000-1120
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
Map
Home Values in the Area
Average Home Value in this Area
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 |
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 |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $152,000 | -- |
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: Stellar MLS
MLS Number: TB8480997
APN: 13-28-15-95071-000-1120
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Ask me questions while you tour the home.