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$4,500,000

402 HILLSBOROUGH ST
PALM HARBOR, FL 34683
Listed by Tanner Tillung · EXP REALTY LLC
Bedrooms
5
Bathrooms
4.5
Living area
5,196 sqft
Year built
2023

About this home

Welcome to 402 Hillsborough Street, a custom-built 2023 waterfront residence offering a rare combination of scale, privacy, and direct access to multiple water bodies including Boggy Bayou, the Intracoastal Waterway, and the Gulf of America. Situated on a 0.68-acre lot within a private gated community, this property features approximately 5,196 square feet of heated living space and nearly 9,700 total square feet, thoughtfully designed across three levels with elevator access. This five-bedroom, four full and one half-bath home showcases a contemporary architectural design with block construction, metal roofing, and impact-rated windows. Interior features include engineered hardwood and porcelain tile flooring, high and vaulted ceilings, tray ceilings, an open floor plan, and a kitchen-family room combination designed for both daily living and entertaining. The primary suite is located on the third level and includes two walk-in closet and expansive proportions. Additional interior highlights include a bonus room, great room, sauna, electric fireplace, upper-level laundry room, and smart home features including security system, cameras, and touchless entry. The home is equipped with central air, natural gas, tankless water heater, and owned solar panels. Outdoor living is enhanced by a private heated pool and spa, multiple balconies and patios, irrigation system, and mature landscaping. The property offers approximately 600 feet of combined water frontage and includes a 2023 composite dock suitable for fishing and recreational water use such as paddleboarding and kayaking. Parking is extensive with a four-car attached garage, additional two-car carport, circular driveway, EV charging capability, and ample off-street parking. Community amenities include gated access and maintained private roads with HOA services covering exterior maintenance, grounds, and common areas. Located in unincorporated Palm Harbor near golf courses, marinas, and top-rated schools, this property presents a unique opportunity to own a newly constructed waterfront home with expansive water views and access.

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS
Stellar MLS
MLS #
MFRTB8491844
Property type
Single Family Residence
Subdivision
TOMAQUA
Status
Active
Days on market
145
On market date
April 2, 2026
Stories
N/A
Total bathrooms
4.5
Garage spaces
4
Parking spaces
N/A
Lot size
0.68 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
SUTHERLAND ELEMENTARY SCHOOL
1.81 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
598
Student:teacher ratio
14.6:1
District
PINELLAS
Middle
PALM HARBOR MIDDLE SCHOOL
2.96 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,127
Student:teacher ratio
19.4:1
District
PINELLAS
High
PALM HARBOR UNIVERSITY HIGH
1.58 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,480
Student:teacher ratio
22.1:1
District
PINELLAS

Walkability

Blended score for PALM HARBOR's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

46
Somewhat walkable
out of 100
EPA National Walkability Index
11.3 / 20 -- Above average walkable
Google Places amenity density
30 / 100
Restaurants & cafes0
Grocery stores0
Parks3
Schools1
Transit stops12
Pharmacies0

Market position

How this listing compares to current activity in PALM HARBOR, from live MLS data.

On the market 145 days -- 47 more days than PALM HARBOR's current average of 98 days.
For reference, the median list price across 784 active listings in PALM HARBOR right now is $329,650.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$27,250/mo
$900,000 down
$3,600,000 loan
Principal & interest$23,350
Property tax (est.)$3,750
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.