785 LIME STREET, PALM HARBOR, FL, 34683
Active3 days on marketListed Sep 18, 2026MLS #TB8545790
About this home
785 LIME STREET
Under Construction. Tucked away on a quaint, quiet dead-end road in the town of Ozona, this rare new construction masterpiece offers an unparalleled coastal lifestyle. Spanning 3,476 sq ft, this 4-bedroom, 4-bathroom home, with ground floor office / 5th bedroom, perfectly blends luxury with casual golf-cart living. Move-in ready by the end of September, with the pool completing this October. The main floor is an entertainer's dream, featuring a massive great room and a giant chef's kitchen that flows seamlessly to a beautiful veranda, pristine pool (under construction), and a sprawling backyard. Convenience is key with a large flex office (easily converted to a 5th bedroom), a massive laundry room, and a dedicated splash room for effortless pool-to-house transitions. Upstairs, a versatile entertainment landing pad awaits your guests. The spacious primary suite is a private retreat boasting expansive his-and-hers walk-in closets and a spa-like bath with a standing tub, separate shower, and dual sinks. The additional bedrooms are also generously sized. Bedrooms two and three share a clever Jack-and-Jill bath, and the fourth bedroom has a bathroom that is also connected to the entertainment area that welcomes you at the top of the stairs. Park your golf cart in the 2-car garage and embrace the ultimate local lifestyle. Walk to the Pinellas Trail and Downtown Palm Harbor, or take the golf cart to enjoy the shops and restaurants in Ozona and Downtown Palm Harbor. Enjoy top-rated schools (short walk to Ozona Elementary School), all just minutes from the pristine sands of Honeymoon Island. Beyond the incredible location, this home offers the true benefits of new construction: modern building codes, energy-efficient systems, builder warranties, and none of the deferred maintenance that comes with an older home. With no HOA there are no minimum rental periods, 785 Lime is also ideal as a rental property. Truly a rare opportunity! Note: the images of the pool are virtual as it is not yet complete.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,476
Sqft
0.21 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$373
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.
$7,914 /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
$7,914/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
$373 vs $256
Days on market
3 vs 52 typical
Where $373/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 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)
233 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 245% 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 785 LIME STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$400,000
311 DEMPSEY ROAD · same community
2 bd · 1 ba · 852 sqft · $469/sqft · 2 DOM
Sold · May ’26$1,275,000
11 BIRDIE LANE
4 bd · 3 ba · 3,525 sqft · $362/sqft · 45 DOM
Sold · Nov ’25$1,139,025
316 HILLPOINT DRIVE
5 bd · 3.5 ba · 3,369 sqft · $338/sqft · 117 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 785 LIME STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 785 LIME STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
785 LIME STREET FAQs
What would the monthly payment be for 785 LIME STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,914/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 785 LIME STREET?+
The most recent tax bill on record (2025) was $3,364. 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 785 LIME STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,295,000, this home is listed about 243% 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 785 LIME STREET?+
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
$1,295,000 runs 245% above the PALM HARBOR 34683 median — but at 3,476 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.
03Fresh on the market
Only 3 days on market 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Robert Hite PA. MLS #TB8545790.
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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