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List Price

$519,000

201 South, Palm Harbor, FL 34683

42 days on market↓ $11K from original list price

Estimated Payment

$3,871/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,447 Square FeetYear builtBuilt 1966

Listed by

Amanda Lebiszczak

CHARLES RUTENBERG REALTY INC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Close in one place

This home is an incredible deal! RENOVATED OZONA POOL HOME! Welcome to OZONA, where golf carts, boats, breweries, and backyard get-togethers are just part of the lifestyle. This FULLY RENOVATED 3 BED / 2 BATH POOL HOME gives you the fun of living in Palm Harbor’s most loved coastal communities. Inside, the SINGLE-STORY, SPLIT FLOOR PLAN is light, open, and completely renovated. The kitchen features NEW CABINETRY, GRANITE COUNTERS, STAINLESS STEEL APPLIANCES, and a LARGE ISLAND made for gathering. Luxury vinyl plank flooring runs throughout (NO CARPET), both bathrooms have been updated, and the list of improvements is BIG: NEW ROOF + FLASHING (2024), NEW ELECTRICAL PANEL (2025), NEW WATER HEATER (2025), NEW APPLIANCES (2025), and A/C (2020). Even the pool has been refreshed with a NEW POOL PUMP + HEATER (2025). Out back is your own little Florida playground: a PRIVATE HEATED POOL, fire pit, BBQ grill, outdoor dining, shaded seating, loungers, and a FULLY FENCED SIDE YARD. Morning coffee, afternoon swims, dinner outside, drinks around the fire pit…repeat as necessary.

201 South, Palm Harbor, FL 34683 in Palm Harbor, FL 34683 is listed for $519,000. The home has 3 bedrooms, 2 bathrooms, and 1,447 square feet, and was built in 1966. Listed 42 days ago. The price was reduced from $530,000. The listing is held by CHARLES RUTENBERG REALTY INC.

34683 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$7,556 (tax year 2024)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $103,800

$

$3,871/moest.

  • Principal & Interest 73%
  • Property Taxes 16%
  • Insurance 11%
Principal & Interest
$2,808
Property Taxesfrom listing
$630
Insurance
$433

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $3,871, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $7,556 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812597888. HomeJam is not the listing broker.

List Price

$519,000

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