551 OMAHA STREET, PALM HARBOR, FL, 34683
Active53 days on marketListed Aug 26, 2026MLS #TB8541185
About this home
551 OMAHA STREET
Incredible opportunity awaits in Palm Harbor with this fully turnkey, six-bedroom, five-bath multi-residence estate. Complete with a NEW roof, sparkling pool, relaxing spa, and your own private putt-putt green right in the backyard! Perfectly suited for a short-term rental, multigenerational retreat, or a rare income-producing compound, this property offers flexibility that is hard to find. Situated on an oversized lot, there is parking and access both from Omaha Steet and Ohio Ave. Step inside the main home to discover a welcoming eat-in kitchen, expansive double living room, and a charming staircase leading to the second floor. Upstairs, you will find enough beds to sleep eight, and two full bathrooms providing comfort and privacy for family or guests. The main home offers beautiful pool views with patio/spa access through the living area French doors. The additional detached structure offers exceptional versatility. Downstairs includes a large theater/media room, a pool bathroom and a private bedroom/bathroom—ideal for entertainment or guest quarters. Upstairs, there is a full-size kitchen, comfortable living area and two additional bedrooms making this self-contained space ideal for rentals or extended family. The resort-style backyard is designed for relaxation and fun, offering a shady hammock retreat, a space for practicing your swing, and an expansive paver deck perfect for soaking up the sun! Located in a golf-cart-friendly community, just minutes from vibrant downtown Palm Harbor and the award-winning shores of Honeymoon Island Beach, this property combines old world charm, coastal convenience and exceptional income potential. Opportunities like this rarely come to market—a true retreat in one of Tampa Bay’s most desirable areas, with NO FLOOD insurance required. Listed at the APPRASIED value, ALL furnishings included with a full price offer. Buyer to verify all measurements.
Facts & features
The home at a glance
6
Bedrooms
5.5
Bathrooms
3,416
Sqft
0.26 ac
Lot size
1930
Year built
Two
Levels
$284
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.
$6,490 /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
$6,490/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.
$/sqft vs Palm Harbor actives
$284 vs $264
Days on market
53 vs 68 typical
Where $284/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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
232 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 145% 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 551 OMAHA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$648,500
1328 MICHIGAN AVENUE · same community
3 bd · 2.5 ba · 2,207 sqft · $294/sqft · 59 DOM
Sold · Jul ’26$740,000
1131 VIRGINIA AVENUE · same community
3 bd · 2 ba · 2,136 sqft · $346/sqft · 6 DOM
Sold · Mar ’26$580,000
1021 15TH STREET · same community
4 bd · 3 ba · 2,086 sqft · $278/sqft · 49 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 551 OMAHA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 551 OMAHA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
551 OMAHA STREET FAQs
What would the monthly payment be for 551 OMAHA STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,490/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 551 OMAHA STREET?+
The most recent tax bill on record (2024) was $8,854. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $969,000, this home is listed about 149% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 551 OMAHA STREET?+
Palm Harbor University High (high), Ozona Elementary School (elementary), Palm Harbor Middle School (middle) — 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
$969,000 runs 145% above the PALM HARBOR 34683 median — but at 3,416 sqft it's also nearly twice the size of 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
Palm Harbor University High, Ozona Elementary School, Palm Harbor Middle School — Palm Harbor University High rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $975,000, now $969,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL LUXURY REALTY · Tara Cline. MLS #TB8541185.
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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