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About this home
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.
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
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
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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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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.
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