12 BAYOU LANE, Palm Harbor, FL, 34683 | $749,000

Serious price reduction! Motivated seller! Experience peak Florida living in this tropical, canal-front waterfront home with direct Gulf access (recently dredged canal!!) and no bridge restrictions, located in the highly desirable, golf cart–friendly community of Ozona. This solar-powered 3-bedroom, 3-bath home blends modern upgrades with classic Old Florida charm. Step through elegant double leaded glass entry doors into an open-concept layout featuring high ceilings, crown molding, upgraded lighting, solid wood interior doors, and tile flooring throughout. The spacious living area flows seamlessly into a climate-controlled Florida room overlooking the tranquil water. The updated kitchen is a chef’s delight with custom cabinetry, granite countertops, and brand-new 2025 stainless steel appliances. A separate dining area with recessed lighting and a skylight fills the space with natural light.
Two generous guest bedrooms and two full baths (one en suite) showcase beautifully restored vintage tile, with one guest bedroom offering water views and French door access. Privately situated at the rear of the home, the luxurious primary suite features French doors to a screened lanai with canal views, a renovated en-suite bath with dual vanities, an oversized tiled walk-in shower, private commode, and a custom walk-in closet with built-ins and extensive shoe storage. The oversized lot is a true tropical oasis with lush landscaping, privacy bamboo, lemon, lime, orange, avocado, and banana trees, plus fresh sod (2025). Enjoy entertaining on the expansive waterfront deck, relax by the canal, or watch dolphins and manatees from your private dock. Additional features include an electrified storage shed, kayak storage, and a deck pre-wired for a hot tub. Major updates include: Roof (2024), Solar System with transferable warranty (2022), Heat Pump Water Heater (2023), Washer & Dryer (2025), Kitchen Appliances (2025), Upgraded 225-amp Electrical Panel, Newer Windows & Doors, Exterior Paint, and New Front Sod (2025). Ozona is a vibrant waterfront community offering restaurants, breweries, marinas, festivals, and boutique shopping—all just minutes from award-winning beaches, the Pinellas Trail, top-rated schools, and international airports. No HOA or deed restrictions. . . the ultimate Florida waterfront lifestyle awaits!.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 106 x 126
  • Laundry: In Garage
  • Year Built: 1958
  • Garage: 1-car Driveway, Garage Door Opener, Golf Cart Parking
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,013
  • Acreage: 0.3
  • Lot Size: 106 x 126
  • Est. Taxes: $17,628
  • View: Water
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8392323
  • Days on Market: 252 days
  • Website: https://www.raveis.com
    /eprop/TB8392323/12bayoulane_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 2/14/2026 6:17:15 PM)

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Bill WhitehurstSales Associate

203.940.0097

Bill.Whitehurst@raveis.com

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Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
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  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Alex FerroInsurance Sales Director, William Raveis Insurance

203.610.1536

Alex.Ferro@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12 BAYOU LANE, Palm Harbor, FL, 34683

$749,000

Bill Whitehurst

Sales Associate

William Raveis Real Estate

Phone: 203.940.0097

Bill.Whitehurst@raveis.com

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $599,200 $599,200 $599,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.137% 6.132% 5.396%
Monthly Tax Payment $1,469 $1,469 $1,469
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,355 $3,589 $4,778
Total Monthly Payment $4,916 $5,150 $6,339

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.