406 ORCHID LANE, PALM HARBOR, FL, 34683
Active193 days on marketListed Jan 21, 2026MLS #TB8466778
About this home
406 ORCHID LANE
Ozona of Palm Harbor! Located on a very private .26 acre double lot, this solid 1955 bungalow has been completely renovated! Offering concrete block construction, this beauty has 2 bedrooms, 1 bathroom, a large bonus room, carport, a gorgeous pool plus a huge fully fenced in yard! THE GOODS: new A/C 2025, ALL NEW kitchen, ALL NEW bathroom, new LVP flooring throughout, new light fixtures/fans throughout, fresh paint & trim throughout, all new interior doors throughout. Located on a private, dead-end street yet in the heart of it all - this amazing double lot offers so many options! Golf cart friendly Ozona offers multiple marinas, restaurants and shops within steps of this beauty! Plus no HOA/no deed restrictions- bring your boat, RV and all your Florida lifestyle toys! There are no rental restrictions in this highly coveted community -think Air BB! The Pinellas Trail is walkable from the home and you can be to Honeymoon Island/Dunedin Causeway in minutes by bike! Downtown Palm Harbor is minutes away by golf cart/bike or foot and offers many festivals and fun eateries! This amazing location also offers the noted school district of Palm Harbor University High School, Palm Harbor Middle School and Ozona Elementary -all within minutes! The Ozona lifestyle is paradise everyday!!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,172
Sqft
0.26 ac
Lot size
1955
Year built
One
Levels
$563
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,645 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,645/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+72.8%
$/sqft vs Palm Harbor actives
$563 vs $261
Days on market
193 vs 42 typical
Where $563/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
204 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 406 ORCHID LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$540,000
608 BETMOR LANE · same community
3 bd · 2 ba · 1,148 sqft · $470/sqft · 249 DOM
Sold · Mar ’26$749,000
12 BAYOU LANE · same community
3 bd · 3 ba · 2,013 sqft · $372/sqft · 256 DOM
Sold · Oct ’25$1,175,000
614 BETMOR LANE · same community
4 bd · 3 ba · 2,755 sqft · $426/sqft · 55 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 406 ORCHID LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 406 ORCHID LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
406 ORCHID LANE FAQs
What would the monthly payment be for 406 ORCHID LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,645/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 406 ORCHID LANE?+
The most recent tax bill on record (2024) was $8,126. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $659,900, this home is listed about 76% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 406 ORCHID LANE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$659,900 runs 59% above the PALM HARBOR 34683 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
193 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Shannon Perrott. MLS #TB8466778.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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