809 ILLINOIS AVENUE, PALM HARBOR, FL, 34683
Active28 days on marketListed Jul 6, 2026MLS #TB8526299
About this home
809 ILLINOIS AVENUE
Virtually Staged. This duplex is located in Palm Harbor neighborhood and is within walking distance to the Village of Ozona. This area has numerous shops and restaurants in addition to the downtown active community of Palm Harbor. This charming one bedroom, one bath unit has its own patio area and large private backyard. The bedroom has a large walk-in closet and plenty of space for storage. The kitchen has a breakfast bar and overlooks the living area. There is a storage room with washer and dryer unit. You will enjoy this poplar location close to the Honeymoon Island State Park, the Pinellas Trail, Pop Stansel Waterfront Park with public boat launch and playground. Schedule your private showing today before its gone.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
450
Sqft
1566 ac
Lot size
1960
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Palm Harbor actives
$4 vs $260
Days on market
28 vs 42 typical
Where $4/sqft sits among the 400 Palm Harbor actives
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)
204 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 809 ILLINOIS AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$117,850
455 ALT 19 S UNIT 234
1 bd · 1 ba · 563 sqft · $209/sqft · 49 DOM
Sold · Aug ’25$112,800
455 ALTERNATE 19 S UNIT 140
1 bd · 1 ba · 563 sqft · $200/sqft · 21 DOM
Sold · Nov ’25$126,000
455 ALT 19 S UNIT 99
1 bd · 1 ba · 563 sqft · $224/sqft · 76 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 809 ILLINOIS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 809 ILLINOIS AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
809 ILLINOIS AVENUE FAQs
What would the monthly payment be for 809 ILLINOIS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 809 ILLINOIS AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $1,700, this home is listed about 100% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 809 ILLINOIS AVENUE?+
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
Three things that matter here
01Under the PALM HARBOR 34683 market on paper
$1,700 is 100% below the PALM HARBOR 34683 median of $415,000, and at $4/sqft it sits under the Palm Harbor average of $269.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sharon Vecchione. MLS #TB8526299.
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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