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Overview

2 bd2 ba860 sqft1 car garageVilla
TypeVilla
HOA$230/mo
Built1984
Lot3,742 sqft
Living area860 sqft
Price / sqft$266
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersThermostat

3174 Phlox Dr is a 1984-built home in Cloverplace Condo, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 860 square feet of living space. Listed at $229,000 (about $266/sqft), 84 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $230 monthly.

From the listing

Virtually Staged. PRICE IMPROVEMENT! Welcome to this charming 2-bedroom, 2-bath villa, plus a bonus/flex room in the desirable Cloverplace 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!

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The essentials

Built
1984
Price / sqft
$266
On market
84 days
Annual tax
$2,702
HOA
$230/mo
Flood zone
X · Low risk
Lot
3,742 sqft
Type
Villa

At a glance

Villa
Built 1984
Community pool
Shared amenity
1 car garage
Converted Garage
3,742 sqft lot
Lot size
860 sqft
Living area

Payment

Est. monthly payment
$1,764/mo
Down payment (20%)
$45,800
Property taxes
$225/mo
HOA
$230/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1984
Lot
3,742 sqft
Cooling
Central Air
Heating
Electric
Parking
Converted Garage, Driveway, Garage Door Opener
Days on Market
84
Cathedral Ceiling(s)
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Thermostat
Private Mailbox
Private Yard
Sidewalk
Storage
Buyer Approval Required
Deed Restrictions
No Truck/Rv/Motorcycle Parking
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Water Softener
Elementary
Highland Lakes Elementary-PN
Middle
Carwise Middle-PN
High
Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,702
Parcel #
08-28-16-16795-004-1640

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cloverplace Condo
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
3,742 sqft
In CountyLandscapedPrivateSidewalkPaved
HOA
$230/mo
Fatima

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #TB8531522
$229,000-8.4%
$266/sqft
-
Price change
Source: Stellar MLS #TB8531522
$249,900-31.5%
$291/sqft
7/20/2026
Listed for sale
Source: Stellar MLS #TB8531522
$365,000
$424/sqft

Neighborhood

3174 Phlox Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $229,000
$227,500 – $229,000
98.8% – 100% of listTops out right at the list price
80% of listList price
34 of the last 66 townhouse or villa closings in 34684 landed at this number or higher (52%). The median one sat 34 days before it went under contract, and this one is on day 84 after a $136,000 cut.

Sample: 66 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,764/mo
Principal & interest$1,194
Property taxes$225
Insurance$115
HOA$230
Down payment20% · $45,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$229,000

$266 per sq ft

Beds and baths

2 beds, 2 baths

Size

860 sq ft

Time on market

84 days

Year built

1984

Monthly payment

About $1,764/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,702 annual tax bill, insurance, and the $230/mo HOA fee.

HOA fee

$230/mo

Managed by Fatima.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRAGSDALE RESIDENTIAL REALTYListing agent: Beverly BurchfieldListing data from Stellar MLS, MLS# TB8531522.

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