429 ST LOUIS AVENUE, PALM HARBOR, FL, 34683
Active132 days on marketListed Mar 27, 2026MLS #TB8490520
About this home
429 ST LOUIS AVENUE
Don’t just build a home, build your future, right here in Ozona! One of Pinellas County’s most desirable coastal communities. This cleared and level vacant lot offers a rare opportunity to fast track your build on a homesite in the heart of downtown. The Lot is 150ft deep by 57ft wide. Location is everything here! There are two home-sites available adjacent to one another offering flexibility for a variety of possibilities, a luxurious single family residence, multi-generational living, income producing rental, the possibilities are plenty. Zoned R-4 allowing for single family residential, duplex, triplex dwellings. The “Ozonian” lifestyle is highly regarded, and a lifestyle few have the opportunity to be a part of. Don't let this opportunity slip away. Whether it be the sunset golf cart rides(Golf Cart friendly Community), the access to several local marinas, waterfront dining, the local bars & restaurants, ballgames at Sunderman Sports Complex, walks & bike rides down The Pinellas Trail, or just the tight knit community that keeps an eye out for one another. You can’t beat the close proximity to top rated schools in Ozona Elementary, and Palm Harbor University High School. There are two lots available, adjacent to one another. Survey and Site plans available. This lot has been cleared. See Adjacent Listing: 290 Orange Street(TB8490514) Seller prefers to sell both lots together. Don’t Just Live, Live Coastal!
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$2,257 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,257/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 429 ST LOUIS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$299,000
2566 GARY CIRCLE UNIT 2
1 bd · 1 ba · 562 sqft · $532/sqft · 55 DOM
Sold · Apr ’26$308,000
2566 GARY CIRCLE UNIT 6
2 bd · 1 ba · 747 sqft · $412/sqft · 42 DOM
Sold · Jun ’26$349,950
2687 WOODETTE DR UNIT B
2 bd · 1 ba · 843 sqft · $415/sqft · 14 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 429 ST LOUIS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 429 ST LOUIS AVENUE — 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
429 ST LOUIS AVENUE FAQs
What would the monthly payment be for 429 ST LOUIS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,257/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 429 ST LOUIS AVENUE?+
The most recent tax bill on record (2025) was $2,766. 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 $294,900, this home is listed about 22% below the Palm Harbor median of $379,945. The market section on this page shows how the area is trending.
Which schools are assigned to 429 ST LOUIS AVENUE?+
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
01Under the PALM HARBOR 34683 market on paper
$294,900 is 26% below the PALM HARBOR 34683 median of $396,500.
02Time on market is leverage
132 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $350,000, now $294,900 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CANCELLI COASTAL REALTY · Robert Cancelli. MLS #TB8490520.
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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