223 PINECREST DRIVE, PALM HARBOR, FL, 34683
Active1 days on marketListed Jul 31, 2026MLS #TB8532198
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Sun, Aug 2
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About this home
223 PINECREST DRIVE
Ozona Waterfront Stunner – Golf Cart Lifestyle! Experience the ultimate turnkey waterfront lifestyle in the golf-cart-legal community of coveted Ozona. This exceptional residence features over $200,000 in recent high-end upgrades, offering a private resort-style sanctuary. Launch your boat directly from your private dock, complete with newer composite wood decking and a brand-new seawall, providing a direct gateway to Honeymoon Island, Caladesi Island, and Clearwater Beach. Exquisite Interior & Upgrades... Inside, an open floor plan seamlessly merges living, dining, and kitchen areas with breathtaking water views. The chef’s kitchen serves as the heart of the home, boasting a custom quartz island, premium stainless steel appliances, and a designer backsplash. All bathrooms feature recent modern renovations, and a custom addition expands the laundry, fitness room, and garage storage. Enjoy total peace of mind with full hurricane-impact windows, a hurricane-rated garage door, and a recent roof and AC system. Resort-Style Outdoor Oasis... The backyard is a private paradise where dolphins and manatees frequently visit. Relax by the heated pool and integrated waterfall spa, surrounded by an expansive marble-tiled deck. The pool features a brand-new, state-of-the-art Low-Chlo purification system that provides crystal-clear water with drinking-water chlorine levels. A 300-square-foot lanai with premium fine-mesh clarity screening and custom powered exterior awnings ensures comfortable year-round outdoor living. The Unmatched Ozona Vibe.. Live like a local in Tampa Bay's favorite golf-cart community. Cruise effortlessly from your driveway to multiple marinas, popular local eateries, craft breweries, the Pinellas Trail, and the top-rated local elementary school. With a nearby bridge being raised to accommodate larger vessels, your boating access is better than ever. Don't miss this rare blend of luxury, waterfront convenience, and golf-cart-casual charm!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,574
Sqft
0.2 ac
Lot size
2
Garage
1957
Year built
One
Levels
$622
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.
$6,420 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,420/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+95.2%
Days on market
1 vs 42 typical
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 136% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 223 PINECREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 223 PINECREST DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
223 PINECREST DRIVE FAQs
What would the monthly payment be for 223 PINECREST DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,420/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 223 PINECREST DRIVE?+
The most recent tax bill on record (2025) was $7,318. 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 $979,000, this home is listed about 161% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 223 PINECREST DRIVE?+
Lake St. George 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.
The brief
Four things that matter here
01Positioned at the premium end
$979,000 runs 136% above the PALM HARBOR 34683 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of CHARLES RUTENBERG REALTY INC · Carsten Prause. MLS #TB8532198.
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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