4045 Bluff Oak CT, photo 1
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Overview

2 bd2 ba1,120 sqftVilla
TypeVilla
HOA$450/mo
Built1984
Lot2,592 sqft
Living area1,120 sqft
Price / sqft$220

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

About this home

Ceiling Fans(s)Stone CountersWindow TreatmentsLightingStorageAssociation Recreation - OwnedBuyer Approval RequiredPool

4045 Bluff Oak CT is a 1984-built home in Strathmore Gate East, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,120 square feet of living space. Listed at $246,000 (about $220/sqft), 74 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $450 monthly.

From the listing

PRICE ADJUSTMENT! New price $246,000! Motivated Seller, bring all reasonable offers! This neighborhood is one of the best kept secrets in Palm Harbor! Tucked off Tampa Road and convenient to everything, this community of one story villas is a peaceful oasis of mature trees and well maintained landscaping with a sparkling pool and brand new multipurpose pickleball/tennis/basketball court. Got dogs? They will love it here too! You can take nice long walks without ever having to leave the neighborhood. When you first step inside this home you will notice the great layout, large kitchen with plenty of counter and storage space, new fridge and range, inside laundry hook ups, and a generous sized primary bedroom with good closet space. The front patio off the kitchen is a perfect spot for grilling or just enjoying our beautiful Florida weather. The back porch has been upgraded to a fully air conditioned four season room with screens and sliding windows so it can be used year round and the upgraded impact resistant sliders keep the adjoining bedroom nice and quiet. Roof maintenance & replacement (last done in 2022) included in HOA fees. There is a lot to love with this one, schedule a showing today and see for yourself!

The essentials

Built
1984
Price / sqft
$220
On market
74 days
Annual tax
$3,968
HOA
$450/mo
Flood zone
A
Lot
2,592 sqft
Type
Villa

At a glance

Villa
Built 1984
Community pool
Shared amenity
2,592 sqft lot
Lot size
1,120 sqft
Living area

Payment

Est. monthly payment
$2,187/mo
Down payment (20%)
$49,200
Property taxes
$331/mo
HOA
$450/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1984
Lot
2,592 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
74
Ceiling Fans(s)
Stone Counters
Window Treatments
Lighting
Storage
Association Recreation - Owned
Buyer Approval Required
Pool
Tennis Court(s)
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone A
Annual Tax (2025)
$3,968
Parcel #
08-28-16-85563-000-1690

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
Strathmore Gate East
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
2,592 sqft
HOA
$450/mo
Ameritech / Angela Johnson

Price history

Date
Event
Price
9/14/2026
Price change
Source: Stellar MLS #TB8533355
$246,000-3.9%
$220/sqft
7/28/2026
Listed for sale
Source: Stellar MLS #TB8533355
$256,000
$229/sqft

Neighborhood

4045 Bluff Oak CT
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $246,000
$242,500 – $246,000
98.8% – 100% of listTops out right at the list price
80% of listList price
33 of the last 65 townhouse or villa closings in 34684 landed at this number or higher (51%). The median one sat 34 days before it went under contract, and this one is on day 74 after a $10,000 cut.

Sample: 65 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,187/mo
Principal & interest$1,283
Property taxes$331
Insurance$123
HOA$450
Down payment20% · $49,200
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 is the fee 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

$246,000

$220 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,120 sq ft

Time on market

74 days

Year built

1984

Monthly payment

About $2,187/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,968 annual tax bill, insurance, and the $450/mo HOA fee.

HOA fee

$450/mo

Managed by Ameritech / Angela Johnson.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Tracey HolmquistListing data from Stellar MLS, MLS# TB8533355.

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