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For sale
    • Price cut: $15.1K (7/31)
    $249,900

    3174 PHLOX DRIVE, PALM HARBOR, FL 34684

    2beds
    860sqft
    : 
    $1,954/mo
    Get pre-qualified
    Villa
    Built in 1984
    3,742 Square Feet Lot
    $242,700 Zestimate®
    $291/sqft
    $230/mo HOA

    What's special

    Abundant natural lightBright and airy sunroomNicely fenced backyardVaulted ceilingsSpacious great roomNewer hvac system
    Virtually Staged. PRICE IMPROVEMENT! Welcome to this charming 2-bedroom, 2-bath villa in the desirable Clover Place community of Palm Harbor! Located in a highly sought-after school district and just minutes from shopping, dining, parks, golf, and the Gulf beaches, this home offers an exceptional location with the convenience of low-maintenance living. Major updates provide peace of mind, including a **roof replaced in 2022** and a **newer HVAC system**. Inside, you'll find beautiful polished porcelain tile flooring throughout and an updated hall bath featuring a custom-tiled walk-in shower. The spacious great room boasts vaulted ceilings and abundant natural light, creating an open and welcoming atmosphere. Step into the bright and airy sunroom overlooking a **nicely fenced backyard**—a wonderful space for pets, gardening, entertaining, or simply relaxing in your own private outdoor retreat. The kitchen has been reconfigured from its original layout, offering the next owner a unique opportunity to create a space that reflects their own style and needs. Whether you're looking for your first home, a seasonal residence, or a property to personalize over time, this villa offers solid improvements, a desirable location, and the chance to make it your own. Residents enjoy access to the community pool and beautifully maintained common areas, all within one of Palm Harbor's most convenient and desirable neighborhoods. No flood insurance required (Flood Zone X), makes this property the one to grab!
    19 days
    |
    1,165
    |
    60
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Beverly Burchfield 954-817-0578,

    RAGSDALE RESIDENTIAL REALTY 727-742-3789,

    Sheri Ragsdale 727-742-3789,

    RAGSDALE RESIDENTIAL REALTY

    Source: Stellar MLS,MLS#: TB8531522MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Utility Room
      Primary bedroom
      • Features: En Suite Bathroom, Built-in Closet
      • Level: First
      • Area: 216 Square Feet
      • Dimensions: 18x12
      Bedroom 2
      • Features: Built-in Closet
      • Level: First
      • Area: 96 Square Feet
      • Dimensions: 8x12
      Kitchen
      • Features: Breakfast Bar, No Closet
      • Level: First
      • Area: 96 Square Feet
      • Dimensions: 8x12
      Living room
      • Features: No Closet
      • Level: First
      • Area: 500 Square Feet
      • Dimensions: 25x20
      Heating
      • Electric
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer, Water Softener
      • Laundry: Inside
      Features
      • Cathedral Ceiling(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat
      • Flooring: Tile
      • Doors: Sliding Doors
      • Has fireplace: No
      • Common walls with other units/homes: Corner Unit,End Unit
      Interior area
      • Total structure area: 860
      • Total interior livable area: 860 sqft

      Property

      Parking
      • Total spaces: 1
      • Parking features: Converted Garage, Driveway, Garage Door Opener
      • Attached garage spaces: 1
      • Has uncovered spaces: Yes
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Enclosed, Patio
      • Exterior features: Irrigation System, Private Mailbox, Private Yard, Sidewalk, Storage
      • Pool features: Gunite, In Ground
      • Fencing: Fenced,Vinyl
      • Has view: Yes
      • View description: Garden, Tennis Court
      Lot
      • Size: 3,742 Square Feet
      • Features: In County, Landscaped, Private, Sidewalk, Above Flood Plain
      • Residential vegetation: Mature Landscaping, Trees/Landscaped
      Details
      • Additional structures: Residence, Shed(s)
      • Parcel number: 082816167950041640
      • Zoning: RPD-7.5
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Traditional
      • Property subtype: Villa
      • Attached to another structure: Yes
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 1984

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Connected, Public, Sewer Connected, Street Lights, Water Connected

      Community & HOA

      Community
      • Features: Buyer Approval Required, Deed Restrictions, No Truck/RV/Motorcycle Parking, Pool, Sidewalks
      • Security: Smoke Detector(s), Fire/Smoke Detection Integration
      • Pet fee: $0 monthly
      • Subdivision: CLOVERPLACE CONDO
      HOA
      • Has HOA: Yes
      • Amenities included: Pool, Vehicle Restrictions
      • Services included: Common Area Taxes, Community Pool, Maintenance Grounds, Pool Maintenance, Sewer, Trash
      • HOA fee: $230 monthly
      • HOA name: Fatima
      • HOA phone: 727-942-4755
      Location
      • Region: Palm Harbor

      Financial & listing details

      • Price per square foot: $291/sqft
      • Tax assessed value: $190,528
      • Annual tax amount: $2,702
      • Date on market: 7/22/2026
      • Cumulative days on market: 20 days
      • Listing terms: Cash,Conventional
      • Ownership: Condominium
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $242,700

        $231,000 - $255,000

        $2,009/mo

        Price history

        DateEventPrice
        7/31/2026Price change$249,900-5.7%$291/sqft
        Source: Stellar MLS #TB8531522 Report a problem
        7/22/2026Listed for sale$265,000+165.3%$308/sqft
        Source: Stellar MLS #TB8531522 Report a problem
        5/16/2018Sold$99,900$116/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,702 +7.5%$190,528 +85.2%
        2024$2,513 +12.5%$102,883 +10%
        2023$2,234 +11.9%$93,530 +10%
        2022$1,996 +8%$85,027 +10%
        2021$1,849 +14.1%$77,297 +10%
        2020$1,620 +21.5%$70,270 +10%
        2019$1,333 $63,882 +25.1%
        2018$1,333 +125.8%$51,076 +2.1%
        2017$590 +8.8%$50,025 +2.1%
        2016$542 -0.7%$48,996 +0.7%
        2015$546 +1.3%$48,655 +0.8%
        2014$539 +1.8%$48,269 +1.5%
        2013$530 +16.5%$47,556 +1.7%
        2012$455 $46,761 -1.3%
        2011-- $47,360 -7.5%
        2010-- $51,200 +2.7%
        2009-- $49,854 +0.1%
        2008$496 $49,804 +3%
        2007-- $48,353 -40.7%
        2005-- $81,500 +7.4%
        2004$430 +3.7%$75,900 +13.1%
        2003$415 +10.8%$67,100 +11.1%
        2002$375 $60,400 +12.7%
        2001$375 +9.6%$53,600 +11.7%
        2000$342 $48,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 34684

        Getting around

        20 / 100
        Car-Dependent
        19 / 100
        Minimal Transit
        35 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Highland Lakes Elementary-PN
        • Middle: Carwise Middle-PN
        • High: Palm Harbor Univ High-PN

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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