940 WISCONSIN AVENUE, PALM HARBOR, FL, 34683
Active5 days on marketListed Jul 30, 2026MLS #TB8533741
About this home
940 WISCONSIN AVENUE
Don't miss this rare opportunity to own a beautifully maintained elevated home in the heart of Ozona—one of Palm Harbor's most sought-after waterfront communities. Designed with quality and longevity in mind, this original-owner home has been meticulously cared for and thoughtfully updated throughout. Enjoy peace of mind with major improvements already completed, including a 2019 roof, impact windows and doors, HVAC systems (2019 & 2022), new electrical panel, outlets and switches (2023), stamped concrete in the garage and pool area (2024), garage siding (2024), updated insulation and soffits (2025), remodeled kitchen (2015), and new exhaust fans. The salt cell pool is equip with an iAQUALINK to control the cleaning system, the jets, pool pumps, or even the chemical levels and temperature. It also has dual swim jets so you can practice your swimming stroke. The lower level is a standout feature, offering an incredible garage and workshop space with James Hardie fiber cement siding, abundant storage, a rolling tool chest, shaded pool equipment area, and plenty of room for hobbies, toys, and projects. This 624 sq ft (24'x26') bonus room is sure to impress and is not included in the total of 2,072 sq ft Inside, you'll appreciate the remodeled kitchen, spacious layout, and thoughtful details like the heated towel warmer in the primary bath. Xeriscape landscaping keeps exterior maintenance to a minimum. Located in the heart of Ozona, you'll love the golf cart lifestyle with easy access to waterfront restaurants, marinas, parks, live music, community events, top-rated schools, and the Pinellas Trail. Whether you're boating, dining on the water, or enjoying one of Ozona's many festivals, this is a community unlike any other. Homes in Ozona don't last long—especially those that have been this well cared for. Schedule your private showing today before this exceptional opportunity is gone.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,072
Sqft
0.17 ac
Lot size
3
Garage
1998
Year built
Two
Levels
$398
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.
$5,207 /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
$5,207/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
+20.6%
$/sqft vs Palm Harbor actives
$398 vs $261
Days on market
5 vs 48 typical
Where $398/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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
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 106% 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 940 WISCONSIN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$580,000
1021 15TH STREET · same community
4 bd · 3 ba · 2,086 sqft · $278/sqft · 49 DOM
Sold · Jul ’26$740,000
1131 VIRGINIA AVENUE · same community
3 bd · 2 ba · 2,136 sqft · $346/sqft · 6 DOM
Sold · Oct ’25$579,900
1851 GEORGIA AVENUE · same community
3 bd · 2 ba · 2,003 sqft · $290/sqft · 7 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 940 WISCONSIN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 940 WISCONSIN 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
940 WISCONSIN AVENUE FAQs
What would the monthly payment be for 940 WISCONSIN AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,207/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 940 WISCONSIN AVENUE?+
The most recent tax bill on record (2025) was $3,431. 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 940 WISCONSIN 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 $825,000, this home is listed about 117% above the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 940 WISCONSIN 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
01Positioned at the premium end
$825,000 runs 106% above the PALM HARBOR 34683 median — but at 2,072 sqft it's also 42% 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.
03Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 48 — if it fits, move quickly.
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 COLDWELL BANKER REALTY · Jonathan Hernandez. MLS #TB8533741.
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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