ActiveOpen House

2796 Challenger Dr, Palm Harbor, FL, 34683

$355/sqft·Waterford Crossing Ph I

4 bd2 ba2,248 sqft2 car garageSingle Family
Listed by KELLER WILLIAMS REALTY- PALM HARBOR· Last updated · MLS# TB8544917

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Est. monthly payment
$4,911/mo
Down payment (20%)
$159,800
Property taxes
$302/mo
HOA
$512.75/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1991
Private pool
Gunite
2 car garage
9,771 sqft lot
Lot size
2,248 sqft
Living area

Open house

Saturday, Sep 12· 3:00 PM to 7:00 PM

About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsSplit BedroomStone CountersLighting

2796 Challenger Dr is a 1991-built home in Waterford Crossing Ph I, Palm Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,248 square feet of living space. Listed at $799,000 (about $355/sqft), 7 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $512.75 semi-annually.

From the listing

LOCATION, LIFESTYLE AND A BEAUTIFULLY REMODELED POOL HOME COME TOGETHER AT 2796 CHALLENGER DRIVE! Welcome to Waterford Crossings, a highly sought-after Palm Harbor community where a friendly neighborhood atmosphere meets an enviable location. Beautifully remodeled from top to bottom, this 4-bedroom, 2-bath pool home showcases a sleek, contemporary design with clean lines, high-end finishes, and a comfortable open-concept layout designed for the way you live today. At the heart of the home, the gourmet kitchen features modern cabinetry, quartz countertops, and premium stainless-steel appliances, all new in 2026. The living spaces flow effortlessly together, creating an inviting setting for both everyday living and entertaining. The primary suite offers a true resort-style retreat, complete with a luxurious standalone soaking tub and an oversized walk-in shower, creating a beautiful space to unwind at the end of the day. The secondary bathroom has also been thoughtfully updated with contemporary finishes. Step outside and the Florida lifestyle truly comes alive with a newly resurfaced pool featuring a Pebble Tec finish and gorgeous glass tile, completed in 2026. The pool and surrounding outdoor space provide the perfect setting for relaxing, entertaining, and enjoying Florida’s year-round sunshine. Major updates include a NEW ROOF in 2026, HVAC replaced in 2025, Hot Water Heater 2018, luxury vinyl flooring throughout, updated kitchen & bathrooms, lighting and window treatments throughout, interior/exterior painting, built in features plus much more! Located in Flood Zone X (flood insurance is not required), adds another layer of appeal and peace of mind. Waterford Crossings offers low HOA fees, while its location puts you just minutes from Honeymoon Island State Park and the pristine beaches of Caladesi Island, as well as the Pinellas Trail. Enjoy easy access to the charming downtowns of Dunedin and Palm Harbor, Clearwater Beach, boating, golf, shopping, dining, and countless other recreational opportunities. Whether you’re looking for a full-time residence, Florida retreat, or simply a home where you can enjoy the best of the coastal lifestyle, 2796 Challenger Drive delivers the combination of sophisticated remodeling, resort-style outdoor living, community, and LOCATION that makes Palm Harbor so desirable. Check out the 3-D tour!

The essentials

Built
1991
Price / sqft
$355
On market
7 days
Annual tax
$3,622
HOA
$512.75/yr
Flood zone
X · Low risk
Lot
9,771 sqft
Type
Single Family Residence

Location

2796 Challenger Dr
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1991
Lot
9,771 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Pool
Gunite
Days on Market
7
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Stone Counters
Lighting
Private Mailbox
Private Yard
Rain Gutters
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X

Annual Tax (2025)

$3,622

Parcel #

14-28-15-95070-000-1040

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

Waterford Crossing Ph I

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

9,771 sqft

HOA
$512.75/yr
Proactive Property Managment Association
Date
Event
Price
9/4/2026
Listed for sale
Source: Stellar MLS #TB8544917
$799,000+37.8%
$355/sqft
12/1/2025
Sold
Source: Pinellas County Public Record
$580,000
$258/sqft
Est. monthly payment$4,911/mo
Principal & interest$4,167
Property taxes$302
Insurance$400
HOA$43
Down payment20% · $159,800
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%. HOA is the fee reported on the listing. 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

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List price: $799,000
$790,000 – $799,000
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 7.

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

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