Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Palm Harbor at a glance
Local notes: Palm Harbor
An unincorporated North Pinellas community known for golf neighborhoods like Innisbrook and quick access to the Pinellas Trail and Honeymoon Island.
Palm Harbor is unincorporated, so building permits and code enforcement go through Pinellas County, not a city. Search the county's permit records for open or expired permits before closing.
Housing stock in Palm Harbor
Palm Harbor has about 30,595 housing units. 65% are single-family homes and 16% are in buildings with 10 or more units, and 7% are mobile or manufactured homes. 29% of homes were built before 1980 and 11% were built in 2000 or later. The median resident is 50.9 years old. About 8% of housing units are seasonal or occasional-use homes, so part-time residents are a meaningful slice of the market.
Title costs on a typical Palm Harbor sale
| Item | Who customarily pays in Pinellas County | Approx. on $405,300 |
|---|---|---|
| Owner's title policy | Seller (negotiable) | $2,102 |
| Deed doc stamps | Seller (customary) | $2,837 |
| Lender's policy + endorsements | Buyer | Quoted by title agent |
| Settlement / closing fee | Negotiable | Varies by company |
Premium estimates use Florida's promulgated owner's-policy schedule ($5.75 per $1,000 up to $100,000, then $5.00 per $1,000 up to $1 million) and are for illustration only. Your title agent provides the binding figure.
Palm Harbor vs. similar communities
| Community | Median value | Median income |
|---|---|---|
| Palm Harbor | $405,300 | $78,935 |
| Dunedin | $396,000 | $74,477 |
| Oldsmar | $380,300 | $88,333 |
| St. Petersburg | $371,100 | $75,192 |
| Gulfport | $366,200 | $71,203 |
| Clearwater | $361,300 | $66,381 |
Getting matched in Palm Harbor
Fill in the short form. We pass your request to one title agent covering Palm Harbor, not a shared list. Expect a call or text, usually within the business day. If the fit isn't right, ask us for someone else.
Frequently asked questions
Are title insurance prices the same at every Florida title company?
The premium is set by the state, so yes. Settlement fees, search fees and service vary, and that's what you should compare.
Do I need an attorney to close in Florida?
No. Florida closings are commonly handled by licensed title agents. An attorney is helpful for complex deals, probate, or title defects.