Palm Harbor's waterfront enclaves, Ozona, Crystal Beach, and the canal-front neighborhoods along St. Joseph Sound, offer Gulf-access luxury that trades well above Pinellas County's $414,000 countywide median. With 528 active listings and a 26-day median days on market as of August 2026, buyers have real options. Here's what you need to know about the market, the water access, and the Florida closing process before you make a move.