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Single Family ResidenceResidential
$419,923$430 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $440,000 on Aug 30, 2021

346 BAY ST

PALM HARBOR, FL 34683
1
Baths
976 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1913
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$420K
$368K low$471K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$440,000 · Aug 30, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,943 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$324,736 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$313,084
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$324,736

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.73 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.98%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPinellas
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1997
Lot (acres)The size of the land the home sits on, from county records.0.10
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 216 ft²Porch · 296 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Ozona ElementaryA+
Elementary · Grades PK–5 · 0.3 mi
H
Palm Harbor University HighA-
High · Grades 9–12 · 1.3 mi
M
Palm Harbor Middle SchoolC+
Middle · Grades 6–8 · 1.5 mi

District: Pinellas County School District

Neighborhood · ZIP 34683These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.69
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.33,726
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,585 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,752
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,401
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

346 Bay St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 96% of homes in Palm Harbor 34683
  • Smaller than 89% of homes in Palm Harbor 34683
  • Has a smaller lot than 94% of homes in Ozona Village
  • Among the oldest homes in Palm Harbor 34683

What homes are worth in Palm Harbor 34683

Each bar is how many homes fall in that price range. The marker is this home.

This home
$140K$1.6M

This home is worth more than 45% of homes in Palm Harbor 34683.

How it measures up in Palm Harbor 34683

The dot is this home. The mark in the middle is the typical home in Palm Harbor 34683.

Estimated value$419,923
CheaperTypical $444,890Pricier

Pricier than 45% of homes nearby

Price per ft²$430
CheaperTypical $254Pricier

Pricier than 96% of homes nearby

Living area976 ft²
SmallerTypical 1,689 ft²Bigger

Bigger than 11% of homes nearby

Lot size0.1 ac
SmallerTypical 0.24 acBigger

Bigger than 8% of homes nearby

Year built1913
OlderTypical 1985Newer

Older than almost all homes nearby

How 346 Bay St ranks against every home in each area.
MeasureThis homeOzona VillagePalm Harbor 34683Pinellas County
Estimated valuepricier than$419,92341% of homes45% of homes62% of homes
Price per ft²pricier than$43081% of homes96% of homes88% of homes
Living areabigger than976 ft²28% of homes11% of homes21% of homes
Lot sizebigger than0.1 ac6% of homes8% of homes7% of homes
Year builtnewer than1913almost no homesalmost no homesalmost no homes

About 346 Bay St

How much is 346 Bay St, Palm Harbor, FL worth?

The TopHap Estimate for 346 Bay St, Palm Harbor, FL is $419,923 as of Sep 24, 2026. The likely range is $368,453 to $471,393. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 346 Bay St, Palm Harbor, FL last sell?

346 Bay St, Palm Harbor, FL last sold on Aug 30, 2021 for $440,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 346 Bay St, Palm Harbor, FL?

346 Bay St, Palm Harbor, FL has 1 bathrooms, 976 square feet of living space and a 0.10-acre lot.

When was 346 Bay St, Palm Harbor, FL built?

346 Bay St, Palm Harbor, FL was built in 1913, making it 113 years old. The building has 1 story.

What schools serve 346 Bay St, Palm Harbor, FL?

346 Bay St, Palm Harbor, FL is assigned to Ozona Elementary (elementary), rated A+; Palm Harbor University High (high), rated A-; Palm Harbor Middle School (middle), rated C+. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 346 Bay St, Palm Harbor, FL compare to other homes in Palm Harbor 34683?

Among the 13,797 homes in Palm Harbor 34683, it is worth more than 45% of them ($419,923 against a typical $444,890), its price per square foot is higher than 96% of them ($430 against a typical $254), it is bigger than 11% of them (976 ft² against a typical 1,689 ft²), its lot is bigger than 8% of them (0.1 ac against a typical 0.24 ac) and it is newer than almost none of them (1913 against a typical 1985). Measured against all of Pinellas County, it is worth more than 62% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 346 Bay St, Palm Harbor, FL?

The 2025 property tax bill for 346 Bay St, Palm Harbor, FL was $5,943. The county assessed it at $324,736.

More homes on Bay St

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