
231 LAGOON DRIVE, PALM HARBOR, FL, 34683
Active119 days on marketListed Mar 27, 2026MLS #TB8490521
About this home
231 LAGOON DRIVE
Don’t just build a home, build your future in the heart of Ozona, one of Pinellas County’s most sought-after coastal communities. This exceptional homesite is cleared and leveled, offering a rare opportunity to fast-track your build in a location where waterfront and water-access properties are increasingly hard to find. With access to Brooker Creek and the Gulf of America, this property delivers the best of Florida coastal living, whether you’re heading out by boat or simply soaking up the water views and natural surroundings. An added advantage: Pinellas County has future plans to increase the clearance of the Shore Drive bridge, which is expected to allow for larger vessels to pass, further enhancing the long-term boating appeal of this location. The main lot offers approximately 116 feet of depth by 82 feet of width (9,512 sq ft), with an additional 1,848 sq ft parcel located along the water on the east side of Lagoon Dr, bringing the total to approximately 11,360 sq ft. This unique configuration provides flexibility for design, outdoor living, and maximizing your waterfront experience. Location is everything, and Ozona delivers. Known for its golf cart-friendly lifestyle and tight-knit coastal charm, this community offers easy access to local marinas, waterfront dining, and some of the area’s most beloved restaurants and gathering spots. Spend your days on the water, your evenings catching sunsets on a golf cart ride, and your weekends enjoying nearby amenities like the Sunderman Sports Complex and the scenic Pinellas Trail. The property is also conveniently located near Ozona Elementary and Palm Harbor University High School, making it an easy everyday lifestyle choice. Opportunities like this, cleared, build-ready land with water access, Gulf connectivity, and future upside are incredibly rare in Ozona. Don’t just live… live coastal. Survey and soil test available.
Facts & features
The home at a glance
0.26 ac
Lot size
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.
$4,122 /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
$4,122/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.
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 24% 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 231 LAGOON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$525,000
312 LAGOON DRIVE · same community
4 bd · 2 ba · 1,512 sqft · $347/sqft · 78 DOM
Sold · Aug ’25$620,000
232 PINECREST DRIVE · same community
4 bd · 2 ba · 2,077 sqft · $299/sqft · 82 DOM
Sold · Nov ’25$1,139,025
316 HILLPOINT DRIVE · same community
5 bd · 3.5 ba · 3,369 sqft · $338/sqft · 117 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 231 LAGOON DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 231 LAGOON DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
231 LAGOON DRIVE FAQs
What would the monthly payment be for 231 LAGOON DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,122/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 231 LAGOON DRIVE?+
The most recent tax bill on record (2025) was $8,815. 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 $509,900, this home is listed about 36% 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 231 LAGOON 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
Five things that matter here
01Positioned at the premium end
$509,900 runs 24% 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.
03Time on market is leverage
119 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $600,000, now $509,900 — a $90K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CANCELLI COASTAL REALTY · Robert Cancelli. MLS #TB8490521.
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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