777 CLAUDIA LANE, PALM HARBOR, FL, 34683
Active0 days on marketListed Aug 29, 2026MLS #TB8541409
About this home
777 CLAUDIA LANE
Welcome to peace and tranquility! Beautifully updated waterfront home is tucked away on a quiet cul-de-sac location in desirable Ozona, offering an exceptional blend of privacy and natural beauty. As you enter the wide-open floor plan, you will immediately be captivated by the dramatic 20-foot pine-adorned ceiling and expansive picture windows, framing serene views of the backyard bayou. The inviting living area features a beautiful natural-stone wood-burning fireplace, plantation shutters, and new flooring. Sliding glass doors lead to two balconies overlooking the water - creating the perfect setting for your morning coffee. The stunning new kitchen, updated in 2025, is designed for both everyday living and entertaining, with a large center island, marble countertops, stainless-steel appliances all seamlessly opening to the living area. Two spacious bedrooms with good size closets and an updated bath are located on the 2nd level. The 3rd level provides the primary retreat with a large walk-in closet, en-suite bath featuring dual vanities and a large walk-in shower with skylight. A unique loft/ catwalk overlooks the dramatic living space below and leads to a third-floor balcony, offering an exceptional space to enjoy the tranquil waterfront setting. The finished lower-level bonus room (not included in total Sq Ft) adds approximately 525 additional square feet of air-conditioned space with a new mini-split A/C system (2024), featuring a family room or game room, 4th bedroom, and a full bath, making this area ideal for a home office, guests or a private in-law suite. New Roof in 2022, two New A/C systems in 2023 and 2026. Oversized 3 car side entry garage. A quiet cul-de-sac location with mature tropical landscaping, a large circular driveway, and ample parking provide plenty of room for vehicles, a boat, and an RV. Enjoy fishing from your own private dock with built-in seating, the bayou is saltwater-fed from St. Joseph Sound. (No HOA) Short-term rentals are allowed. This home offers a wonderful coastal lifestyle while being conveniently close to top-rated schools, including Palm Harbor University High. Pop Stansell Park with a waterfront fishing pier - just around the corner. Golf-cart-friendly community, walk or ride your golf cart to the local restaurants and boutiques of downtown Palm Harbor and Pinellas trail. Just minutes from downtown Dunedin, the Dunedin causeway, Honeymoon island, Innisbrook - championship golf and numerous marinas. 10-15 Minutes to the historical Tarpon Springs Sponge docks, 15-20 Minutes to the beautiful renowned Clearwater beach. 20-25 Minutes to Tampa and St Pete airports.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,098
Sqft
0.27 ac
Lot size
3
Garage
1997
Year built
Three Or More
Levels
$367
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.
$5,399 /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
$5,399/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.
Where it sits
Inside Ozona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ozona — neighborhood snapshot
Population
2,744
Median age
49
Median income
$47,842
Median home value
$625,873
Avg household
3
Households w/ children
242
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 103% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 777 CLAUDIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 777 CLAUDIA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
777 CLAUDIA LANE FAQs
What would the monthly payment be for 777 CLAUDIA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,399/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 777 CLAUDIA LANE?+
The most recent tax bill on record (2025) was $9,548. 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 777 CLAUDIA LANE?+
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 $769,900, this home is listed about 104% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 777 CLAUDIA LANE?+
Ozona Elementary School (elementary), Palm Harbor University High (high), 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
$769,900 runs 103% above the PALM HARBOR 34683 median — but at 2,098 sqft it's also 43% larger than the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a Palm Harbor market that averages 52 — if it fits, move quickly.
04Strong assigned schools
Ozona Elementary School, Palm Harbor University High, Palm Harbor Middle School — Ozona Elementary School rates 5 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX REALTEC GROUP INC · Luigi Kalaj. MLS #TB8541409.
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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