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104 KLOSTERMAN ROAD W

Palm Harbor, FL, 34683

Active

$1,850,000

4

Bedrooms

3

Bathrooms

3,542 sqft

Living Area

1973

Year Built

8,664

Lot Size (sqft)

7

Days on Market

Dock Score™

DockOnly
61
Good

What shaped this score

✓Gulf Access
✓Bridge-free to bay & ocean
✓Fits boats up to ~45ft (est.)
·~35 min run to open water · 3.6 mi

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Gulf/Ocean📝 10K-lb boat lift📝 deep water

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedDeep Water Indicators~38-52 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Canal WidthDockOnly

At the dock

County parcel data
94ft
dock94 ft

Single measurement at the dock · width variation along the canal not yet available

Measured perpendicular from this parcel's waterfront edge to the parcel directly across the canal, using surveyed county GIS boundaries.

Will it turn around?

Up to 33 ft

Easy
handling

33–45 ft

Fits
with care

45–52 ft

Tight
(back-in)

Boats over 52 ft typically back in/out rather than turning here. Clear channel ≈ 68 ft with boats moored both sides (~13 ft per side for dock + beam). Wide-beam yachts need the upper end of each range.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Discover the ultimate Florida waterfront lifestyle in this stunning coastal retreat, perfectly suited as a private residence, vacation getaway, or high-performing rental investment. With spectacular St Joseph Sound and Gulf views from nearly every room, this exceptional home captures the beauty of its surroundings while offering the comfort, privacy, and amenities you’ve been looking for. Nestled at the end of a quiet cul-de-sac, this property offers direct deep-water Gulf access from your private dock, making it ideal for boating, sailing, fishing, and exploring the pristine islands and waterways nearby. The waterfront has been thoughtfully enhanced with a new dock in 2024 and boat lift in 2025, creating an exceptional setup for enjoying life on the water. The home has also been thoughtfully updated with numerous recent improvements, including: New kitchen and appliances — 2024 New water heater — 2024 New pool pump — 2024 New dock — 2024 New boat 10,000 lb lift — 2025 New washer and dryer — 2025 Roof — 2018 (upper roof) / 2005 (lower roof) Outside, low-maintenance landscaping allows you to spend more time enjoying the spectacular Florida setting. A serene private pool creates your own secluded oasis, tucked away from neighboring views and perfect for relaxing in the sunshine or unwinding after a day on the water. Inside, the main living level showcases an inviting open-concept design created to maximize the incredible water views. Elegant finishes and designer touches complement the space, including solid wood cabinetry, quartz countertops, and a beautiful bar area—perfect for entertaining family and friends. The spacious main level also features ample storage, a stylish powder room, a laundry/utility room, and a garage, providing both functionality and convenience. Upstairs, you'll find four generously sized bedrooms and two beautifully appointed bathrooms, each featuring double vanities. Step outside onto the expansive upper deck and enjoy refreshing Gulf breezes, breathtaking sunsets, and uninterrupted waterfront vistas. Whether you're looking for a private coastal sanctuary, a second home, or an investment property with strong vacation-rental appeal, this exceptional Gulf-access residence offers an opportunity to embrace the best of Florida waterfront living. Properties offering this combination of deep-water access, Gulf views, private dockage, pool, and recent updates are highly sought after. Don't miss your opportunity to make this extraordinary coastal retreat your own.

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

Palm Harbor, FL, 34683

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of CHARLES RUTENBERG REALTY INC via Stellar MLS

Last checked: 7 hours ago

Listing updated: October 23, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 12ft

Special Flood Hazard Area

View FEMA Flood Map →
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Estimate your monthly payment for this waterfront property

20%

$370,000 down

%
Principal & Interest$9,599/mo
Property Tax (est. ~1.2%, varies by county)$1,850/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$11,699
Loan Amount: $1,480,000Rate: 6.75%
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$1,850,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.