Palm Harbor, Florida

It's one of north Pinellas County's most established residential areas, built around golf, lakes, and the small waterfront village of Ozona rather than tourism. Families are drawn to assigned schools like Palm Harbor University High and Highland Lakes Elementary, and the roughly 12-minute drive to downtown Tampa keeps it commutable.

It sits in the mid-range for the Tampa Bay area, with a median list price of $377,945 and a median sold price of $400,000 over the last year. The range is wide — active listings run from $23,000 up to nearly $5 million — so you can browse by price from entry-level condos to $1M-plus homes, of which there are 32 currently listed.

The median list price is $377,945 and homes average about $272 per square foot on a median size of 1,464 square feet. The mix includes 223 single-family homes, 147 condos, 55 villas, and 46 townhouses, so the number you pay depends heavily on which segment you shop — homes with a pool and waterfront properties price above the median.

There are 496 active listings and homes are taking a median of 50 days to sell, so buyers have time to consider options. Sellers are getting about 96% of asking on average, meaning fair offers land — and it's worth checking the just reduced listings for the best negotiating room.

The median HOA runs about $404 per month, which reflects how many homes sit in golf, gated, and 55+ communities with shared amenities. Median property tax is around $3,785 per year, and if you're renting first, the median rent is about $2,150 per month.