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Coastal residence with views of Sutherland Bayou, located on a quiet cul-de-sac of six homes in the fabulous Ozona area of Palm Harbor. This Key West–inspired home offers over 1, 800 square feet of wraparound balconies across two levels designed to capture water views and coastal breezes. The seller has invested in recent, significant upgrades, including all-new Miami-Dade triple-locking Category 5 impact-rated French doors, white oak engineered hardwood flooring and stair treads throughout, a modern cable stair railing system, polyaspartic flooring in both two-car garages, complete interior repaint including garages and gym, updated living room finishes, new roof (2023), three new AC systems (2023 and 2024), new hot water heater (2024), and new pool pump (2024). The first floor is solid block construction. The home offers 4 bedrooms, 3. 5 baths, a dedicated office/den, and an oversized 4-car garage. The ground level features a foyer with high ceilings and a versatile bonus space (not included in living square footage) suitable for gym, studio, or additional living area, along with access to two separate two-car garages, one pre-wired for EV charging. The main living level includes an updated kitchen with custom wood cabinetry, pull-out storage, quartz countertops and backsplash, stainless appliances, induction cooktop, breakfast bar, and ample prep space. The kitchen opens to the great room with soaring 10-foot ceilings and a wood-burning fireplace. Impact French doors and large windows with plantation shutters provide balcony access and partial water views. This level also includes a guest bedroom, powder room, private office/den with balcony access, and a full bath with pool access. The top-floor primary suite features double walk-in closets, motorized shades, and a bath with soaking tub, glass-enclosed shower, and dual vanities. Two additional guest bedrooms, an updated full bath, and access to the upper balcony complete the third floor. The backyard includes a saltwater pool and spa with new pure salt chlorinator, artificial turf, vinyl fencing, and a solar-assisted water heater. Transferable flood insurance is $725 per year. No HOA. Oyster Point is a golf cart–friendly community near waterfront dining, parks, marinas, downtown Palm Harbor, Honeymoon Island, Clearwater Beach, and Innisbrook Golf Resort.
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Our Executive Mortgage Banker:
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$1,599,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,279,920 | $1,279,920 | $1,279,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.362% | 6.385% | 6.223% |
| Monthly Tax Payment | $1,438 | $1,438 | $1,438 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,674 | $7,881 | $10,801 |
| Total Monthly Payment | $9,237 | $9,444 | $12,364 |
* 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.