424 N Carolina AVENUE, Palm Harbor, FL, 34683 | $675,000

Welcome to your dream home in the heart of Ozona, the golf cart friendly, highly sought-after coastal community in Palm Harbor!  This 3 bedroom, 3 bath home with a bonus
room, man shed/office and additional bath SUFFERED NO DAMAGE from the hurricanes, giving homeowners valuable peace of mind in a coastal setting! The updated kitchen features a butcher block island, newer appliances and plenty of storage with upper cabinets to the ceiling. This home also includes updated bathrooms, a laundry room, an updated fireplace, an open family room/dining room/kitchen combo and luxury vinyl tile throughout. Step outside to the large, screened Florida room that overlooks the private, tropical backyard which is home to nine different types of palm trees. A fence encloses the property which includes a swim spa, and a finished shed with a bath that can be used as a pool shed, office or man cave. There is also an additional shed for storage along one side of the home as well as a storage area in the garage. The backyard boasts a large concrete area for lounging and entertaining.

Ozona has no deed restrictions, no HOA fees and no rental restrictions. Drive your golf cart or walk to nearby restaurants, bars, the post office, downtown Palm Harbor, and
waterfront piers to enjoy Florida’s beautiful sunsets. The Pinellas Trail across the street is perfect for bike rides and leisurely strolls, as is the Dunedin Causeway leading to the
Honeymoon Island State Park entrance just three miles away. With Publix just a mile away, it is an easy walk to pick up a few groceries while getting exercise. The Ozona
community is zoned for the highly desired Palm Harbor University High School, Palm Harbor Middle School and Ozona Elementary. The very quaint village of Ozona is one
of Florida's oldest and most unique coastal communities and a wonderful place to call home.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Lot Size: 50 x 150
  • Laundry: Inside, Laundry Room, Other
  • Style: Florida, Ranch
  • Year Built: 1996
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,852
  • Acreage: 0.17
  • Lot Size: 50 x 150
  • Est. Taxes: $4,320
  • Lot Desc: Flood Insurance Required, Historic District, Landscaped, Near Marina
  • View: Trees/Woods
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: O6285676
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6285676/424ncarolinaavenue_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 4/16/2025 11:06:31 PM)
Listing courtesy of PROPERTIO   Phone: 888-817-3383

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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

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424 N Carolina AVENUE, Palm Harbor, FL, 34683

$675,000

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 $540,000 $540,000 $540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.152%
Monthly Tax Payment $360 $360 $360
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,413 $3,547 $4,520
Total Monthly Payment $3,865 $3,999 $4,972

* 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.