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This move-in-ready 3-bedroom, 2-bathroom home with a 2-car garage lives far larger than expected, beginning with an approximately 273-square-foot enclosed Florida room with central heat and air, expanding the home to approximately 1, 381 square feet of usable space. Filled with natural light and overlooking the backyard, it is ideal as a spacious family room, home office, or creative retreat. A separate covered and screened porch opens the home to the backyard, making outdoor living comfortable in every season.
Inside, the kitchen and both bathrooms were remodeled in 2022 with granite countertops and updated fixtures. The kitchen also features stainless steel appliances. Crown molding and interior and exterior paint were completed in 2022. The split bedroom floor plan offers added privacy, and the washer and dryer are included. The expensive projects are already taken care of, with a NEW AC SYSTEM installed in July 2026, a WATER HEATER approximately one year old, and a NEW ROOF to be installed prior to closing.
Located in the heart of desirable 34683, the home is zoned for Ozona Elementary, Palm Harbor Middle, and Palm Harbor University High School, with the middle school a couple of blocks away. The large backyard offers plenty of room for entertaining, gardening and enjoying the outdoors. Close to downtown Palm Harbor, quaint Dunedin, the Pinellas Trail, parks, shopping, dining, and the beaches of Honeymoon and Caladesi Islands. No flood insurance required. Move in, spread out, and enjoy everything this home and location have to offer.
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Our Executive Mortgage Banker:
Our Insurance Division:
$450,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $360,000 | $360,000 | $360,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.764% | 5.992% |
| Monthly Tax Payment | $542 | $542 | $542 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,187 | $2,305 | $2,989 |
| Total Monthly Payment | $2,804 | $2,922 | $3,606 |
* 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. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.