401 DEMPSEY ROAD, PALM HARBOR, FL, 34683
Active11 days on marketListed Sep 10, 2026MLS #TB8547316
About this home
401 DEMPSEY ROAD
RARE OZONA FIND! Beautifully renovated home on a spacious corner lot offering the privacy, parking and space that are hard to find in Ozona. Just a one-minute walk to Ozona Elementary and the Pinellas Trail, this coveted golf-cart community puts you minutes from local dining, live music, waterfront destinations and the Dunedin Causeway. Renovated down to the studs in 2019–2020 with a 2019 roof, updated HVAC, water heater, electrical, plumbing and interior finishes. The foundation was also fully renovated and includes a transferable 25-year warranty with approximately 20 years remaining. The large gated yard and oversized paver driveway accommodate 4–6 vehicles, with double gates providing boat or RV access. A newer metal shed adds convenient storage for bikes, kayaks and lawn equipment. The home did not flood during the 2024 hurricanes and offers a low, transferable flood insurance policy. Renovated, private and perfectly positioned for the Ozona lifestyle - this is one you won’t want to miss.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,208
Sqft
0.16 ac
Lot size
1923
Year built
One
Levels
$372
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.
$3,365 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,365/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+26%
$/sqft vs Palm Harbor actives
$372 vs $256
Days on market
11 vs 52 typical
Where $372/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 20% 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 401 DEMPSEY ROAD
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 · Jul ’26$300,000
2651 MICHAEL PLACE UNIT 102
2 bd · 2 ba · 1,230 sqft · $244/sqft · 41 DOM
Sold · Apr ’26$312,000
300 WOODETTE DRIVE UNIT 202B
2 bd · 2 ba · 1,180 sqft · $264/sqft · 142 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 401 DEMPSEY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 401 DEMPSEY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
401 DEMPSEY ROAD FAQs
What would the monthly payment be for 401 DEMPSEY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,365/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 401 DEMPSEY ROAD?+
The most recent tax bill on record (2025) was $4,362. 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 $449,000, this home is listed about 19% 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 401 DEMPSEY ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Christina Cox. MLS #TB8547316.
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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