504 OMAHA STREET, PALM HARBOR, FL, 34683
Active13 days on marketListed Sep 29, 2026MLS #W7889907
About this home
504 OMAHA STREET
Welcome to this beautifully updated home that combines everyday comfort with the laid-back Florida lifestyle buyers are looking for. This one-story 3-bedroom, 2.5-bath residence offers approximately 1,404 square feet of living space on an oversized lot, with the added benefit of no HOA and convenient access to some of Palm Harbor’s most popular destinations. Inside, the home offers a bright and welcoming layout with ceramic tile flooring throughout, an open kitchen and family room, granite countertops, solid wood cabinetry, newer appliances, and updated lighting. The flexible bonus area provides extra space that can easily adapt to your needs as a home office, study, playroom, or comfortable second living area. The home has been thoughtfully updated with a 2019 roof, 2023 A/C, fresh interior paint, renovated bathrooms, newer appliances, and other improvements, allowing you to move in and enjoy the home without taking on a long list of immediate projects. Outside is where this property really shines. The oversized, vinyl-fenced backyard includes a spacious patio and an extended concrete area with electrical already available for a future hot tub. A separate pre-plumbed water and sewer connection provides additional possibilities for a future shed, workshop, or private hobby space. The double-gated entry and expanded concrete parking also provide plenty of room for a boat, trailer, recreational toys, or additional vehicles. Location is another major highlight. The property is located in Flood Zone X and offers the freedom of no HOA restrictions. Palm Harbor University High School, an A-rated school, is less than 1 mile away. Enjoy being approximately 4 miles from the award-winning Honeymoon Island State Park and beach, offering easy access to beautiful Gulf Coast scenery, sandy beaches, and outdoor recreation. Tampa International Airport is approximately 18 miles away, making travel and airport access convenient. If you’re looking for an updated Palm Harbor home with a spacious lot, generous parking, no HOA, flexible outdoor space, convenient access to an A-rated high school, beautiful beaches, and Tampa International Airport, this home offers an ideal combination of comfort, location, and Florida coastal living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,404
Sqft
0.16 ac
Lot size
1963
Year built
One
Levels
$310
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.
$3,280 /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
$3,280/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
+4.2%
$/sqft vs Palm Harbor actives
$310 vs $260
Days on market
13 vs 69 typical
Where $310/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)
240 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 14% 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 504 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 · Nov ’25$295,000
1314 HAWAII AVENUE · same community
3 bd · 1.5 ba · 1,312 sqft · $225/sqft · 24 DOM
Sold · Mar ’26$300,000
2700 BAYSHORE BOULEVARD UNIT 508
3 bd · 2.5 ba · 1,445 sqft · $208/sqft · 106 DOM
Sold · Jul ’26$215,000
2700 BAYSHORE BOULEVARD UNIT 556
3 bd · 2.5 ba · 1,325 sqft · $162/sqft · 92 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 504 OMAHA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 504 OMAHA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
504 OMAHA STREET FAQs
What would the monthly payment be for 504 OMAHA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,280/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 504 OMAHA STREET?+
The most recent tax bill on record (2025) was $4,400. 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 $435,000, this home is listed about 15% 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 504 OMAHA STREET?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs 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 FUTURE HOME REALTY · Christine Morcos. MLS #W7889907.
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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