402 ORCHID LANE, PALM HARBOR, FL, 34683
Active7 days on marketListed Oct 5, 2026MLS #TB8554061
About this home
402 ORCHID LANE
Do you want to live in Ozona but can't find the right home? This is your chance to create the home and lifestyle you’ve been looking for in one of Palm Harbor’s most loved and desired, Charming Coastal Communities! Build up two or three stories and take advantage of the breathtaking views of the Gulf! Location is everything here. You’re just steps from water access with a kayak and paddle board launch and right around the corner from all things Ozona! Walk, bike or take the golf cart to Ozona Pig, Molly Goodhead’s, Ozona Blue, Ozona Brewing Company, Ozona Pizza and other local favorites. Spend your days kayaking, boating and cruising around by golf cart or catching one of Ozona’s year-round community events. This little pocket of Palm Harbor has a personality all its very own ~ Laid-back, Coastal Community where flip flops are required and a town full of Old Florida Charm. Golf carts, local restaurants, marinas, water access and Amazing Gulf Sunsets are simply part of everyday life here. Instead of settling for a home that isn’t quite right, start fresh and build exactly what you want, right where you want to be. Your future home that could have Gulf views ~ All starting at under $390,000! Don't miss your chance to build your Dream Home in Ozona and start creating your own Ozona Lifestyle Today ~ You will be so Happy you did!
Facts & features
The home at a glance
0.18 ac
Lot size
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.
$2,802 /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
$2,802/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.
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 → $440K
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 2% 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 402 ORCHID LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$540,000
608 BETMOR LANE · same community
3 bd · 2 ba · 1,148 sqft · $470/sqft · 249 DOM
Sold · Mar ’26$749,000
12 BAYOU LANE · same community
3 bd · 3 ba · 2,013 sqft · $372/sqft · 256 DOM
Sold · Oct ’25$1,175,000
614 BETMOR LANE · same community
4 bd · 3 ba · 2,755 sqft · $426/sqft · 55 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 402 ORCHID LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 402 ORCHID LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
402 ORCHID LANE FAQs
What would the monthly payment be for 402 ORCHID LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,802/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 402 ORCHID LANE?+
The most recent tax bill on record (2025) was $2,092. 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 402 ORCHID 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 $389,900, this home is listed about 3% 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 402 ORCHID LANE?+
Ozona Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Christina Devine. MLS #TB8554061.
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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