Palm Harbor reaches from the Gulf shore at Crystal Beach to Lake Tarpon, the largest freshwater lake in Pinellas County. More than a third of the census area is water, and the rolling ground between holds settlements that date to the 1880s.
Palm Harbor has no city government: it is an unincorporated part of Pinellas County, counted by the 2020 census at 61,366 residents, half of them older than 51. Settlers called the area Curlew in the 1860s. It was platted as Sutherland in 1888, reached by the Orange Belt Railway in 1890 and renamed Palm Harbor in 1925. The historic downtown still centers on Florida Avenue and Alternate U.S. 19, and that old rail corridor is now part of the Pinellas Trail.
The terrain is unusual for Florida: hilly, with a bluff above the Gulf where Southern College opened in 1902. Wall Springs Park has a boardwalk through mangroves on the coast, while Lake Tarpon spreads over 2,534 acres along the community's inland side. One place therefore gets salt marsh insects on its west edge, lake insects near Lake Tarpon, and lawn and termite problems on the high ground between.