3165 Phlox Drive, FL
Stellar MLS

$250,000

3165 Phlox Drive

Palm Harbor, FL 34684

Listing updated: June 11, 2026 at 6:53 AM ET

Active
3
Beds
1
Bath
855
Sq Ft
0.09
Acres
1984
Built
$292/sqft360° tour
Villa

Property type

1984

Year built

3,873 sqft

Lot size

$292

Price / sq ft

$225/mo

HOA dues

1

Day on market

1

Garage space

X

Flood zone

About this home

PRICED TO SELL! Your Palm Harbor Paradise Awaits in Coveted Cloverplace Stop scrolling—you just found the one. Tucked away in the highly sought-after Cloverplace community, this charming villa-style home offers something increasingly rare in today's market: affordability, privacy, land ownership, low HOA fees, and an unbeatable Palm Harbor location. With only one shared wall and a private fenced backyard, you'll enjoy the feel of a single-family home without the maintenance headaches. From the moment you step inside, you'll be greeted by bright, sun-filled living spaces designed for easy Florida living. The spacious living and dining areas flow effortlessly together, creating the perfect backdrop for entertaining friends, hosting family gatherings, or simply enjoying a quiet evening at home. The beautifully updated kitchen is sure to impress with granite countertops, stainless steel appliances, and crisp white cabinetry, offering both style and functionality for the home chef. Retreat to the oversized primary suite, your own private sanctuary featuring sliding glass doors leading to a versatile bonus room filled with natural light. Whether you envision a home office, reading lounge, fitness room, craft space, or peaceful retreat, this bonus area adds flexibility rarely found at this price point. Step outside and discover your own backyard oasis. The private fenced yard offers space to garden, grill, entertain, or simply soak in Florida's year-round sunshine. Morning coffee tastes better here. Evening cocktails feel more relaxing here. Life simply feels easier here. Major updates provide peace of mind and long-term value, including: New Roof (2016) New A/C System (2018) Move-in-ready condition The Lifestyle You've Been Looking For Imagine spending weekends lounging by the sparkling community pool, enjoying dinner at nearby local favorites, shopping just minutes away, and reaching some of Florida's most breathtaking Gulf beaches in a short drive. With incredibly low monthly HOA fees covering water, sewer, trash, community maintenance, sidewalks, streets, and recreational facilities, you'll enjoy a carefree lifestyle without the burden of excessive costs. Cloverplace is: * All Ages Welcome * Pet Friendly * Investor Friendly Location. Lifestyle. Value. Whether you're a first-time buyer, snowbird, retiree, investor, or someone looking to simplify without sacrificing comfort, opportunities like this don't come around often. Homes in Cloverplace are known for their desirability, affordability, and convenient Palm Harbor location—and this one delivers on all three. Don't wait for someone else to claim your piece of paradise. Schedule your private showing today and discover why this Cloverplace gem may be the best value currently available in Palm Harbor.

Estimated monthly payment

Principal & interest$1,264
Property taxes$62
Home insurance (est.)$115
HOA dues$225

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

  1. Status: Active
    Jun 10, 2026
  2. Listed$250,000
    Jun 10, 2026
  3. Price increased$250,000

Facts & features

Property type
Residential
Sub type
Villa
Status
Active
Days on market
1
Subdivision
Cloverplace Condo
County
Pinellas
Year built
1984
Living area
855 sq ft
Price/sq ft
$292
Lot size
3,873 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12103C0078G)
Garage
1 spaces
Annual taxes
$744 (2025)
Parcel #
08-28-16-16795-005-2050
Zoning
RPD-7.5
MLS #
TB8517639

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Interior Details

Bedrooms
3
Full bathrooms
1
Flooring
Carpet, Tile
Appliances
Dishwasher, Disposal, Range, Range Hood, Refrigerator, Washer
Interior features
Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Vaulted Ceiling(s)
Laundry
Inside
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes

HOA & Financial

HOA fee
$225 / Monthly
Monthly HOA
$225/mo
Total monthly fees
$450/mo
Total annual fees
$5,400
HOA name
Frankly Coastal Property Management
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Condominium
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Refer to Condo Docs in attachments and check with Management during Due Diligence period.

Exterior & Construction

Exterior features
Lighting
Construction materials
Stucco, Frame
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
None
Utilities
BB/HS Internet Available, Public

Community

Pets allowed
Yes

Schools

ElementaryHighland Lakes Elementary-PNGreatSchools ↗
MiddleCarwise Middle-PNGreatSchools ↗
High SchoolPalm Harbor Univ High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Primary BedroomFirst12x18
Bedroom 2First12x10
DenFirst7x8
Living RoomFirst
KitchenFirst9x11

Listing Details

Listing date
2026-06-10
On market date
2026-06-10
Original list price
$250,000
Occupant type
Owner
MLS area
34684 - Palm Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-06-10
Tax legal description
CLOVERPLACE CONDO PHASE V UNIT 205

Flood risk

Minimal riskFEMA Zone XPanel 12103C0078G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Highway 19 North to East on Tampa Road. Turn left (North) on Lake St George Rd., Turn left into Cloverplace. Follow Cloverplace Dr around complex to rear of community. Turn right onto Phlox Dr to 3165 Phlox (left side of the 2 condos).

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 11, 2026 at 6:53 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA