628 MAYO STREET, Palm Harbor, FL 34683

• 4 beds |
• 4 baths |
• 1,873 sqft

Property Description

A rare waterfront masterpiece in Palm Harbor, perfectly positioned on Greens Bayou within the coveted Seaside Point 2nd Addition. This exceptional two-story residence offers 72 feet of direct waterfront frontage on a serene bayou, minutes to the Gulf of America - delivering the ultimate private Florida lifestyle on a .21-acre lot. Built with block construction, stucco exterior, and a durable metal roof, the home combines classic Florida architecture with modern comforts. Inside, 4 spacious bedrooms (1 is currently used an office. Perfect for a rental option) and 3.5 bathrooms span 1,873 sq. ft. of heated living space, thoughtfully designed for both elegant entertaining and everyday comfort. The open floorplan seamlessly connects the kitchen and family room, creating a natural flow for gatherings, while the kitchen itself impresses with solid wood cabinetry, stone countertops, and a bright, casual dining space. Upstairs, the primary suite offers a walk-in closet and private retreat, complemented by a split-bedroom layout for optimal functionality. Additional interior features include built-in elements, ceiling fans, attic ventilation, and a private sauna (Humm 3.5 kw wet/dry stove). Appliances include refrigerator, dishwasher, microwave, washer, and dryer, with mini-split cooling systems throughout and convenient garage laundry access. Outdoor living is a showstopper. Lounge by your private in-ground saltwater pool with concrete decking and lighting, entertain from the rear porch or balcony, or relax by the fire pit. The cold plunge boiler is a 1 1/2 HP eco plus (which is industrial). The property also includes a boathouse, outdoor shower, grill area, mature fruit trees, and lush garden space. A one-car attached garage and fenced yard complete this waterfront sanctuary, with no HOA or association fees. Flood Zone AE (flood deck page is attached) served by public water and sewer; electricity and cable connected. Enjoy the unparalleled combination of tranquility, lifestyle, and convenience, just minutes from Palm Harbor’s premier dining, shopping, and local amenities. Buyer to verify all measurements, zoning, flood, and use restrictions.

Listing Status:

Active

Date Added:

February 2, 2026

Data Last Updated:

February 9, 2026 at 6:22PM

Listing Office:

EXP REALTY LLC : 888-883-8509

Listing Agent:

Tanner Tillung : 727-479-4548

MLS ID:

TB8458017

Interior

• General: Attic VentilatorBuilt-in FeaturesCeiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimaryBedroom UpstairsSaunaSolid Surface CountersSolid Wood CabinetsSplit BedroomStone CountersThermostat
• Rooms: Storage Rooms
• Appliances: DishwasherDryerMicrowaveRangeRefrigeratorWasher
• Laundry: In Garage
• Flooring: Ceramic TileSlateWood
• A/C: Mini-Split Unit(s)
• Heating: ElectricOtherSolar

Exterior

• General: BalconyFire PitFrench DoorsGardenLightingOutdoor GrillOutdoor ShowerRain GuttersSauna
• Style: Custom
• Other Structures: Boat HouseRear PorchCovered
• Pool: DeckGuniteIn GroundLightingOutside Bath AccessSalt WaterTile
• Parking: DeededDriveway

Construction

• Roofing: Metal
• Windows: Storm Window(s)
• General: BlockStuccoTwoSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Pinellas

Lot

• Zoning: R-3SEASIDE POINT 2ND ADD LOT 1735-27-15-79434-000-0170
• View: Water
• Fencing: Chain LinkVinylWood

Utilities

• Utilities: Cable AvailableElectricity ConnectedFire HydrantPhone AvailableSewer ConnectedWater Connected
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple