401 DEMPSEY ROAD, PALM HARBOR, FL, 34683
Active16 days on marketListed Jul 8, 2026MLS #TB8527057
About this home
401 DEMPSEY ROAD
This large corner lot in the coastal golf cart community of Ozona, is just a one-minute walk to Ozona Elementary and the Pinellas trail. Also zoned for A rated Palm Harbor Middle and Palm Harbor University High School, this sought after location offers a wide variety of options for local dining and entertainment. You can park your car and drive your golf cart to hear local music or have dinner with the family. The owners favorite feature is how much distance she has from the neighboring homes. The large pavered driveway can house 4-6 vehicles, and the large double gate on the lime street side allows access for boat or RV parking. This home was fully renovated down to the studs in 2019 / 2020 with a brand-new roof, HVAC, hot water heater, electrical, plumbing and all new interior finishes. The owner chose to have the foundation fully renovated to ensure long term stability and peace of mind. The transferable 25-year warranty still has 20 years left and comes with the purchase. A newer high end metal shed is included in the sale of the home where you can store your bikes, kayaks or riding mower. The properties across the street to the east and south are both flood zone x making this the perfect location for safety during storms. Not a drop of water from the hurricanes came anywhere near this property or the surrounding streets. Won’t last long so don't wait to see this little gem before it is snatched up.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,208
Sqft
0.17 ac
Lot size
1923
Year built
One
Levels
$401
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.
$3,593 /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
$3,593/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
+28.1%
$/sqft vs Palm Harbor actives
$401 vs $258
Days on market
16 vs 42 typical
Where $401/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)
208 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 20% 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 401 DEMPSEY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$400,000
311 DEMPSEY ROAD · same community
2 bd · 1 ba · 852 sqft · $469/sqft · 2 DOM
Sold · Apr ’26$312,000
300 WOODETTE DRIVE UNIT 202B
2 bd · 2 ba · 1,180 sqft · $264/sqft · 142 DOM
Sold · Oct ’25$315,000
945 HAMILTON COURT
3 bd · 2.5 ba · 1,253 sqft · $251/sqft · 102 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 401 DEMPSEY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 401 DEMPSEY ROAD — 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
401 DEMPSEY ROAD FAQs
What would the monthly payment be for 401 DEMPSEY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,593/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 401 DEMPSEY ROAD?+
The most recent tax bill on record (2025) was $4,362. 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 401 DEMPSEY ROAD?+
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 $485,000, this home is listed about 29% 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 401 DEMPSEY ROAD?+
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
$485,000 runs 20% above the PALM HARBOR 34683 median.
02Strong 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.
03The price has already moved
Listed at $495,000, now $485,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Susan Lube. MLS #TB8527057.
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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