Active
$449,000
Est. $2,930/mo

401 Dempsey Rd, Palm Harbor, FL, 34683

$372/sqft·Dempseys W S

2 bd2 ba1,208 sqftSingle Family
Listed by BHHS FLORIDA PROPERTIES GROUP· Last updated · MLS# TB8547316

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Est. monthly payment
$2,930/mo
Down payment (20%)
$89,800
Property taxes
$364/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1923
7,301 sqft lot
Lot size
1,208 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorFire PitPrivate YardRain GuttersDishwasher

401 Dempsey Rd is a 1923-built home in Dempseys W S Sub, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,208 square feet of living space. Listed at $449,000 (about $372/sqft), 1 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

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.

The essentials

Built
1923
Price / sqft
$372
On market
3 days
Annual tax
$4,362
Flood zone
AE
Lot
7,301 sqft
Type
Single Family Residence

Location

401 Dempsey Rd
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1923
Lot
7,301 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
3
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Fire Pit
Private Yard
Rain Gutters
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$4,362

Parcel #

11-28-15-20880-000-0020

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

7,301 sqft

Corner Lot
Date
Event
Price
9/10/2026
Listed for sale
Source: Stellar MLS #TB8547316
$449,000+32.4%
$372/sqft
10/1/2021
Sold
Source: Pinellas County Public Record
$339,000
$281/sqft
Est. monthly payment$2,930/mo
Principal & interest$2,342
Property taxes$364
Insurance$225
Down payment20% · $89,800
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.

Offer Insights

Choose an offer strength

List price: $449,000
$442,500 – $449,000
98.7% – 100% of listTops out right at the list price
80% of listList price
64 of the last 126 home closings in 34683 landed at this number or higher (51%). The median one sat 25 days before it went under contract, and this one is on day 3.

Sample: 126 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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