Active
$3,750,000
Est. $24,125/mo

128 Carlyle Dr, Palm Harbor, FL, 34683

$1,092/sqft·Indian Bluff Island 2nd

5 bd6 ba3,434 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8542497

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Est. monthly payment
$24,125/mo
Down payment (20%)
$750,000
Property taxes
$2,692/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
3 stories · 1990
Waterfront
Gulf/Ocean
Private pool
In Ground
2 car garage
0.33 acres
Lot size

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenWalk-in Closet(s)Fire PitLightingOutdoor KitchenRain Gutters

128 Carlyle Dr is a 1990-built home in Indian Bluff Island 2nd Add, Palm Harbor. Inside you'll find 5 bedrooms, 6 bathrooms, and 3,434 square feet of living space. Listed at $3,750,000 (about $1,092/sqft), 3 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

WOW — ABSOLUTELY STUNNING LUXURY WATERFRONT HOME! Welcome to 128 Carlyle Dr, Palm Harbor, FL 34683, an extraordinary waterfront residence where breathtaking views, thoughtful design, and resort-style outdoor living come together in one of Palm Harbor’s most desirable locations. Meticulously redesigned by OG Interiors, this home has been transformed with a sophisticated coastal style while still feeling warm, comfortable, and inviting. The true showstopper is the incredible outdoor living space. Designed for entertaining and enjoying the Florida lifestyle year-round, the backyard features brand-new, low-maintenance turf, professionally installed landscape lighting, mature palms, and an expansive resort-style swimming pool surrounded by multiple areas for lounging and entertaining. The brand-new outdoor kitchen is complete with a bar, TV, and plenty of space to gather with family and friends. As the sun begins to set, head to the waterfront fire pit lounge and take in the spectacular open-water views toward Honeymoon Island. This is the kind of backyard that feels like your own private resort. Boaters and anglers will appreciate the brand-new composite dock with fish-cleaning station, offering direct access to the water and making it easy to enjoy boating, fishing, kayaking, paddleboarding, and everything the Gulf Coast lifestyle has to offer. Inside, walls of windows and doors take advantage of the incredible waterfront setting and fill the home with natural light. The spacious kitchen and living areas are designed for entertaining, while multiple balconies and outdoor spaces allow you to enjoy the views from throughout the property. Beautiful finishes, custom details, updated bathrooms, designer lighting, and carefully selected fixtures can be found throughout. The home offers 5 bedrooms, 4 full bathrooms and 2 half bathrooms, plus a versatile additional downstairs living area featuring its own kitchenette, lounge area and full bathroom—ideal for guests, extended family, a private retreat, game room, or additional entertaining space. Additional highlights include a private putting green, outdoor fire pit, expansive pool and covered entertaining areas, multiple waterfront balconies, generous storage, garage space, and spectacular sunset views. This is more than a waterfront home—it is a complete Florida lifestyle. Spend the day on the water, entertain by the pool, enjoy dinner from your outdoor kitchen, and finish the evening around the fire pit watching the sun disappear over the Gulf. Homes with this combination of waterfront, outdoor living, design, boating access, and views rarely become available. Reach out to me today to schedule your private tour of 128 Carlyle Dr and experience this incredible property in person.

The essentials

Built
1990
Price / sqft
$1,092
On market
16 days
Annual tax
$32,302
Flood zone
AE
Lot
14,366 sqft
Type
Single Family Residence

Location

128 Carlyle Dr
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1990
Lot
14,366 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground, Lighting, Salt Water
Waterfront
Gulf/Ocean
Days on Market
16
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Walk-in Closet(s)
Fire Pit
Lighting
Outdoor Kitchen
Rain Gutters
Cooktop
Dishwasher
Disposal
Dryer
Ice Maker
Microwave
Refrigerator
Tankless Water Heater
Washer
Wine Refrigerator

Elementary

Sutherland Elementary-PN

Middle

Palm Harbor Middle-PN

High

Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE

Annual Tax (2025)

$32,302

Parcel #

26-27-15-42660-004-0250

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Indian Bluff Island 2nd Add

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

14,366 sqft

Date
Event
Price
8/26/2026
Listed for sale
Source: Stellar MLS #TB8542497
$3,750,000+424.5%
$1,092/sqft
6/1/2021
Sold
Source: Pinellas County Public Record
$715,000
$208/sqft
Est. monthly payment$24,125/mo
Principal & interest$19,558
Property taxes$2,692
Insurance$1,875
Down payment20% · $750,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $3,750,000
$3.70M – $3.75M
98.7% – 100% of listTops out right at the list price
80% of listList price
63 of the last 124 home closings in 34683 landed at this number or higher (51%). The median one sat 26 days before it went under contract, and this one is on day 16.

Sample: 124 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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