$265,000
3174 Phlox Drive
Palm Harbor, FL 34684
Listing updated: July 22, 2026 at 6:59 PM ET
Listing courtesy of Ragsdale Residential Realty · Beverly Burchfield · MLS #TB8531522 · Active · 727-742-3789Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage space
Flood zone
About this home
Virtually Staged. 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!
Estimated monthly payment
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 history0 days on market
- Status: ActiveJul 22, 2026
- Listed$365,000Jul 22, 2026
- Price reduced$265,000
Facts & features
- Property type
- Residential
- Sub type
- Villa
- Status
- Active
- Days on market
- 0
- Subdivision
- Cloverplace Condo
- County
- Pinellas
- Year built
- 1984
- Living area
- 860 sq ft
- Price/sq ft
- $308
- Lot size
- 3,742 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 1 spaces
- Annual taxes
- $2,702 (2025)
- Parcel #
- 08-28-16-16795-004-1640
- Zoning
- RPD-7.5
- MLS #
- TB8531522
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Tile
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer, Water Softener
- Interior 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
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 1
- Attached garage
- Yes
- Parking features
- Converted Garage, Driveway, Garage Door Opener
HOA & Financial
- HOA fee
- $230 / Monthly
- Monthly HOA
- $230/mo
- Total monthly fees
- $230/mo
- Total annual fees
- $2,760
- HOA name
- Fatima
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- To be verified by the buyer and/or buyer's agent through the HOA.
- Approval process
- To be verified by the buyer and/or buyer's agent through the HOA.
Exterior & Construction
- Exterior features
- Private Mailbox, Private Yard, Sidewalk, Sliding Doors, Storage
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Size Limit, Yes
Schools
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
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 25x20 |
| Primary Bedroom | First | 18x12 |
| Bedroom 2 | First | 8x12 |
| Kitchen | First | 8x12 |
Listing Details
- Listing date
- 2026-07-20
- On market date
- 2026-07-22
- Original list price
- $365,000
- Occupant type
- Vacant
- MLS area
- 34684 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-07-22
- Tax legal description
- CLOVERPLACE CONDO PHASE IV UNIT 164
Flood risk
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
US Hwy 19 to east on Tampa Rd. Left on Lake St. George Dr. Left on Cloverplace Dr. Right on Phlox Dr. Home (3174 Phlox Drive) is on the left.
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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 July 22, 2026 at 6:59 PM 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.
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