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$579,000

2889 Oak Creek LanePalm Harbor, FL 34684

Listing updated: November 5, 2026 at 7:01 PM ET

Active

Listing courtesy of Exp Realty Llc · Jessica Christianson · MLS #TB8564040 · Active · 888-883-8509

Beds

Baths

2,060

Sq Ft

0.67

Acres

1981

Built

◆Private pool◆3-car garage◆$281/sqft

Single Family Residence

Property type

1981

Year built

29,185 sqft

Lot size

$281

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

X, X500

Flood zone

About this home

Some homes just feel like a deep breath. Beneath a canopy of mature oaks and tree-lined streets, in established Rustic Oaks, this 4-bedroom, 2-bath, 2060sqft, pool home backs to a private wooded view with no rear neighbors, no Flood insurance required, no HOA, and no CDD. Vaulted ceilings open to a family room that flows into the updated 2024 kitchen, and both bathrooms have also been updated. The split-bedroom plan offers privacy, and the primary suite includes an office or sitting area. Other features include new carpet in the bedrooms and Lutron switches throughout. Evenings belong out back, where a covered porch overlooks the paver pool deck and gazebo, all framed by the trees. A covered front porch completes the picture. The big items are done: 2020 roof and HVAC, new soffits and trim, newer pool equipment, a Level 2 EV charger, and a well for irrigation. The home is not in a flood zone, and it's minutes from Gulf beaches, Tampa International Airport, dining, and shopping. Move-in ready and peaceful. Schedule your showing today.

Estimated monthly payment

Principal & interest$2,928

Property taxes$465

Home insurance (est.)$265

Down payment

20%

$115,800 downRate

6.5%

Term

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: Active
Nov 5, 2026
Listed$579,000
Nov 5, 2026

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: Rustic Oaks 1st Add
County: Pinellas
Year built: 1981
Living area: 2,060 sq ft
Price/sq ft: $281
Building area: 3,023 sq ft (Public Records)
Lot size: 29,185 sq ft
Lot category: 1/2 to less than 1
Flood zone: X, X500
Garage: 3 spaces
Pool: Private pool
Annual taxes: $5,577 (2025)
Parcel #: 05-28-16-77642-000-1380
Zoning: R-2
MLS #: TB8564040

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Interior Details

Bedrooms: 4
Full bathrooms: 2
Flooring: Luxury Vinyl
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Range Hood, Washer
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Split Bedroom, Window Treatments
Laundry: Inside
Stories / Levels: One
Direction faces: South

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 3
Attached garage: Yes
Parking features: Driveway, Garage Door Opener

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Min lease term: 3 Months
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Please check with the county for leasing restrictions

Exterior & Construction

Exterior features: Private Mailbox, Sidewalk, Storage
Construction materials: Block
Roof: Shingle
Foundation: Slab
Pool: Private pool
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Community

Pets allowed: Cats OK, Dogs OK

Room Details

Room	Level	Dimensions
Primary Bedroom	First	16x13
Office	First	12x9
Kitchen	First	13x15
Living Room	First	19x25
Dining Room	First	10x6
Bedroom 2	First	17x16
Bedroom 3	First	15x10
Bedroom 4	First	13x10
Bathroom 2	First	10x4

Listing Details

Listing date: 2026-11-04
On market date: 2026-11-05
Original list price: $579,000
Occupant type: Owner
MLS area: 34684 - Palm Harbor
Listing AOR: Sarasota - Manatee
Status changed: 2026-11-05
Tax legal description: RUSTIC OAKS 1ST ADD LOT 138

Flood risk

Moderate riskFEMA Zone X, X500

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

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

Location

Directions

From Tampa Road heading west -- Turn right on W Lake Road for 0.4 miles -- Turn right onto Trailwood Drive for 0.2 miles -- Turn right onto Oaks Creek Lane for 400 feet -- Destination is on the left

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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 November 5, 2026 at 7:01 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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