785 Lime St, photo 1
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Overview

5 bd4 ba3,476 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot9,143 sqft
Living area3,476 sqft
Price / sqft$373
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
DEMPSEYS W S SUB
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

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11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsStone CountersThermostat

785 Lime St is a 2026-built home in Dempseys W S Sub, Palm Harbor. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,476 square feet of living space. Listed at $1,295,000 (about $373/sqft), 33 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Tucked away on a quaint, quiet road in the charming 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 (or 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.

The essentials

Built
2026
Price / sqft
$373
On market
33 days
Annual tax
$3,364
Flood zone
X500 · Low risk
Lot
9,143 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Private pool
Deck
2 car garage
9,143 sqft lot
Lot size
3,476 sqft
Living area

Payment

Est. monthly payment
$7,682/mo
Down payment (20%)
$259,000
Property taxes
$280/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
9,143 sqft
Cooling
Central Air
Heating
Central, Exhaust Fan, Heat Pump
Parking
-
Pool
Deck, Gunite, In Ground
Days on Market
33
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Permeable Paving
Private Yard
Electric Water Heater
Exhaust Fan
Range
Range Hood
Refrigerator
Elementary
Ozona Elementary-PN
Middle
Palm Harbor Middle-PN
High
Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500
Annual Tax (2025)
$3,364
Parcel #
11-28-15-20880-000-0110

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Dempseys W S Sub
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
9,143 sqft

Price history

Date
Event
Price
9/8/2026
Listed for sale
Source: Stellar MLS #TB8545790
$1,295,000
$373/sqft

Neighborhood

785 Lime St
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $1,295,000
$1.27M – $1.29M
98.4% – 100% of listTops out right at the list price
80% of listList price
78 of the last 155 home closings in 34683 landed at this number or higher (50%). The median one sat 26 days before it went under contract, and this one is on day 33.

Sample: 155 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$7,682/mo
Principal & interest$6,754
Property taxes$280
Insurance$648
Down payment20% · $259,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,295,000

$373 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,476 sq ft

Time on market

33 days

Year built

2026

Monthly payment

About $7,682/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,364 annual tax bill, insurance.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Robert Hite PAListing data from Stellar MLS, MLS# TB8545790.

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