2409 OSPREY AVENUE, PALM HARBOR, FL, 34683
Active39 days on marketListed Jun 24, 2026MLS #TB8521786
About this home
2409 OSPREY AVENUE
Welcome to Eagle Chase — a small, well loved Palm Harbor community with no HOA and no flood zone worries. This well maintained 3 bedroom, 2 bath, 2 car garage pool home sits on a quarter acre corner lot and offers 2,087 sq ft of comfortable, functional living. Freshly painted interior in 2026, the home feels bright, clean, and move in ready. You’ll enjoy a spacious living and dining room combo, along with a warm and inviting family room featuring a wood burning fireplace. The large kitchen offers solid wood cabinetry, granite countertops, and generous prep space — ideal for everyday cooking or entertaining. The split floor plan provides privacy, and the inside laundry room adds convenience. Flooring throughout is wood and tile — no carpet. The wood floors can be refinished to restore their original shine. Step outside to your own Florida oasis: a screened pool and spa, a covered patio with a Thermador outdoor grill, and a fully fenced backyard with room to garden, including a raised garden bed ready for vegetables or herbs. Major updates include a metal roof (2018), HVAC (2016), and water heater (2019) — offering peace of mind for years to come. Golf enthusiasts will appreciate the proximity to Innisbrook Resort & Golf Club, home of the PGA Tour’s Valspar Championship. With easy access to US 19 and Belcher Road, commuting is simple, plus parks, shopping, dining, and entertainment are always close by.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,087
Sqft
0.25 ac
Lot size
2
Garage
1984
Year built
One
Levels
$252
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.
$3,498 /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
$3,498/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.
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
−6.2%
$/sqft vs Palm Harbor actives
$252 vs $260
Days on market
39 vs 42 typical
Where $252/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)
202 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 26% 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 2409 OSPREY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$475,000
2424 OSPREY AVENUE · same community
3 bd · 2 ba · 2,104 sqft · $226/sqft · 52 DOM
Sold · Aug ’25$449,900
2421 EAGLE CHASE DRIVE · same community
3 bd · 2 ba · 1,831 sqft · $246/sqft · 12 DOM
Sold · Feb ’26$529,900
2420 OSPREY AVENUE · same community
3 bd · 2 ba · 1,519 sqft · $349/sqft · 11 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 2409 OSPREY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2409 OSPREY 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
2409 OSPREY AVENUE FAQs
What would the monthly payment be for 2409 OSPREY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,498/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 2409 OSPREY AVENUE?+
The most recent tax bill on record (2025) was $184. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2409 OSPREY AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $524,900, this home is listed about 40% 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 2409 OSPREY 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
Three things that matter here
01Positioned at the premium end
$524,900 runs 26% above the PALM HARBOR 34683 median — but at 2,087 sqft it's also 43% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Agnes Vetter. MLS #TB8521786.
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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