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323 Ridge ROAD, Palm Harbor, FL, 34683 | $695,000
Welcome to your dream home in the heart of Ozona, a charming and highly sought-after coastal village in Palm Harbor! This spacious 4-bedroom, 3-bathroom gem offers the perfect blend of modern living and seaside charm. Nestled just moments from the sparkling waters of the Gulf of Mexico, this home is a boater’s paradise. Enjoy easy access to multiple marinas, making it effortless to set sail for a day on the water. This property has remained safe and secure through recent hurricanes, with no flooding or damage, offering homeowners valuable peace of mind in a coastal setting.
The versatile layout includes a fourth bedroom on the lower level, perfect for an in-law suite or private guest quarters. With its own bath and convenient access, it’s ideal for multi-generational living or hosting out-of-town visitors. For added flexibility, the home offers laundry hook-ups on both levels. This home also features multiple outdoor living areas that make the most of Florida’s year-round sunshine. Relax in the screened porch on the first level or take in the serene views from the upper deck, which also boasts its own screened area off the master bedroom. A standout feature is the oversized 2-car garage with built in air conditioner, providing ample space for vehicles, storage, and all your outdoor gear—perfect for those who enjoy an active coastal lifestyle.
Beyond the home, Ozona’s charm awaits! As a golf cart-friendly waterfront community, residents can easily cruise to local restaurants, unique shops, and scenic parks, all while enjoying the laid-back coastal lifestyle. With top-rated schools and a vibrant community, this is the perfect place to call home.
Outdoor enthusiasts will love the proximity to the Pinellas Trail, a scenic, multi-use trail perfect for walking, biking, and exploring the area’s natural beauty. This home is also ideally located near Honeymoon Island, Clearwater Beach, and downtown Dunedin, giving you access to beautiful beaches, vibrant shops, and fantastic dining just minutes away. Don’t miss this rare opportunity to own a slice of paradise in one of Palm Harbor’s most desirable neighborhoods. Schedule your private tour today and make your coastal dreams a reality!
Features
- Rooms: 15
- Bedrooms: 4
- Baths: 3 full
- Laundry: Inside, Laundry Room
- Year Built: 1982
- Garage: 2-car Boat, Golf Cart Parking, Off Street, Oversized, Parking Pad
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 2,124
- Acreage: 0.23
- Est. Taxes: $6,103
- Lot Desc: Unincorporated
- Elem. School: Ozona Elementary-PN
- Middle School: Palm Harbor Middle-PN
- High School: Palm Harbor Univ High-PN
- Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- MLS#: TB8326871
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/TB8326871/323ridgeroad_palmharbor_fl?source=qrflyer
Listing courtesy of LPT REALTY, LLC. Phone: 877-366-2213
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
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To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
323 Ridge ROAD, Palm Harbor, FL, 34683
$695,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $556,000 | $556,000 | $556,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.339% | 7.017% | 6.120% |
| Monthly Tax Payment | $509 | $509 | $509 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,653 | $3,653 | $4,654 |
| Total Monthly Payment | $4,254 | $4,254 | $5,255 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388