2420 OSPREY AVENUE, Palm Harbor, FL, 34683 | $529,900

Under contract-accepting backup offers. Welcome home to 2420 Osprey Ave, Palm Harbor, FL 34683. Totally updated and move-in ready 3-bedroom, 2-bath pool home with a 2-car garage located in the heart of Palm Harbor, one of Pinellas County’s most desirable communities. This beautifully updated single-family home offers 1, 519 square feet of living space and combines modern upgrades, functional design, and Florida lifestyle living. The open great room floor plan features a wood-burning fireplace, vaulted ceiling, tile flooring throughout, and abundant natural light, creating a warm and inviting atmosphere ideal for everyday living and entertaining. The updated kitchen was designed for both style and function with a large island and bar seating, quartz countertops, floating shelves, stainless steel appliances, white shaker cabinets, backsplash, gas range, pendant lighting, excellent storage and room for table and chairs. French doors open directly to the screened pool area, enhancing the home’s seamless indoor-outdoor flow. The primary suite offers a private retreat with sliding glass doors to the pool, a spacious walk-in closet with built-ins, and an updated en-suite bathroom featuring a large walk-in shower with designer finishes for a spa like feel. Two additional bedrooms and a second full bathroom provide flexibility for guests, family, or a home office. Outdoor living is a standout feature, showcasing a fully fenced backyard, side gate, and a screened-in pool enclosure with paver decking and a covered sitting area, perfect for enjoying Florida weather year-round. The pool features a newer marcite finish and offers convenient access to a full bathroom from the pool area. Major upgrades include a newer roof approximately one year old, impact-rated doors and windows, propane service supplying a tankless hot water heater, gas range and a propane-powered generator, providing added peace of mind and reliability during power outages. Located in a non flood zone. Handicap-accessible features and generous storage further enhance functionality. Ideally located minutes from the Pinellas Trail for running, cycling, or just enjoying a stroll to enjoy the views. Close to downtown Palm Harbor, the famous Innisbrook Golf Course, Dunedin, with easy access to parks, marinas, shopping, dining, top-rated schools, Gulf beaches like the award winning Clearwater Beach and Honeymoon Island. Convenient to US 19. Tampa International Airport and Countryside mall. This Palm Harbor pool home offers comfort, preparedness, and an unbeatable location. Call today for your private showing.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 110 x 83
  • Laundry: In Garage
  • Year Built: 1984
  • Garage: 2-car Garage Door Opener
  • Heating: Central, Electric, Propane
  • Cooling: Central Air
  • Approx Sq. Feet: 1,519
  • Acreage: 0.21
  • Lot Size: 110 x 83
  • Est. Taxes: $5,138
  • Lot Desc: In County, Level
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pool: Gunite, In Ground, Outside Bath Access, Salt Water, Screen Enclosure
  • Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Softener
  • MLS#: TB8459077
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /prop/TB8459077/2420ospreyavenue_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 1/31/2026 5:06:06 AM)
Listing courtesy of eXp Realty   Phone: 727-449-9276

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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2420 OSPREY AVENUE, Palm Harbor, FL, 34683

$529,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $423,920 $423,920 $423,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.178% 5.541%
Monthly Tax Payment $428 $428 $428
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,407 $2,542 $3,408
Total Monthly Payment $2,927 $3,062 $3,928

* 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.