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Overview

3 bd2 ba1,298 sqftVilla
TypeVilla
HOA$450/mo
Built1984
Lot3,123 sqft
Living area1,298 sqft
Price / sqft$223

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

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsWalk-in Closet(s)Window TreatmentsBuyer Approval Required

4031 Bluff Oak CT is a 1984-built home in Strathmore Gate East, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,298 square feet of living space. Listed at $289,000 (about $223/sqft), 1 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $450 monthly.

From the listing

RARE 3-BEDROOM CORNER-END VILLA | LOW $450 MONTHLY MAINTENANCE | NO FLOOD INSURANCE REQUIRED! Welcome to this beautifully maintained and rarely available 3-bedroom, 2-bath corner/end-unit villa in the highly desirable Strathmore Gates community! Offering nearly 1,300 square feet of comfortable living space, this villa delivers the space and privacy of a single-family home without the exterior maintenance. Mrs. Clean lives here! Pride of ownership shines throughout, with thoughtful updates and meticulous care at every turn. Step inside through the huge foyer entrance and discover a bright, welcoming interior featuring fresh NEW interior paint, plush NEW bedroom carpeting, upgraded solid wood interior doors, crown molding, NEW overhead and spotlighting, and three NEW ceiling fans & Updated second bath. The spacious living room features beautiful hardwood flooring, while tile flooring adds durability and style throughout other areas. Plenty of storage available, pantry , 2 walk in closets and outdoor storage closet. The Craft-Maid Wood kitchen cabinetry is complemented by Corian countertops and a practical layout perfect for everyday living and entertaining. All appliances are in excellent working order, and the convenience of an in-home washer and dryer makes daily life easy. The oversized primary suite offers plenty of room to relax, 2 closets - one is large walk in, a private ensuite bath, and sliders leading directly to the home's spectacular vinyl-enclosed rear patio. This peaceful private retreat overlooks a beautiful wooded backdrop, where you can enjoy your morning coffee while deer and birds make regular appearances. There's also a front open patio with sliding doors, giving you even more opportunities to enjoy Florida's outdoor lifestyle. 3rd bedroom has custom french style door and large walk in closet can be a great office as well. Roof 2023 and A/C in 2013. The home also offers ample parking directly in front and sits in a quiet cul-de-sac location. And then there's the community! Strathmore Gates is super pet-friendly, allowing up to 2 dogs with NO weight limit, plus residents enjoy a community pool, tennis courts and pickleball. Monthly maintenance is only $450, and NO FLOOD INSURANCE is required! The location is hard to beat — just minutes from Publix, shopping, restaurants, schools and everyday conveniences. If you've been searching for a spacious 3-bedroom home with privacy, updates, outdoor living and resort-style amenities — without the hassle of maintaining a single-family home — this rare corner villa deserves to be at the top of your list!

The essentials

Built
1984
Price / sqft
$223
On market
9 days
Annual tax
$4,289
HOA
$450/mo
Flood zone
X* · Low risk
Lot
3,123 sqft
Type
Villa

At a glance

Villa
Built 1984
Community pool
Shared amenity
3,123 sqft lot
Lot size
1,298 sqft
Living area

Payment

Est. monthly payment
$2,459/mo
Down payment (20%)
$57,800
Property taxes
$357/mo
HOA
$450/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1984
Lot
3,123 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
9
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Walk-in Closet(s)
Window Treatments
Buyer Approval Required
Deed Restrictions
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Highland Lakes Elementary-PN
Middle
Carwise Middle-PN
High
East Lake 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)
$4,289
Parcel #
08-28-16-85563-000-1620

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
3,123 sqft
Corner LotCul-De-Sac
HOA
$450/mo
Ameritech

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #TB8554154
$289,000
$223/sqft

Neighborhood

4031 Bluff Oak CT
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $289,000
$285,000 – $289,000
98.8% – 100% of listTops out right at the list price
80% of listList price
32 of the last 62 townhouse or villa closings in 34684 landed at this number or higher (52%). The median one sat 35 days before it went under contract, and this one is on day 9.

Sample: 62 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
$2,459/mo
Principal & interest$1,507
Property taxes$357
Insurance$145
HOA$450
Down payment20% · $57,800
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 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

$289,000

$223 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,298 sq ft

Time on market

9 days

Year built

1984

Monthly payment

About $2,459/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,289 annual tax bill, insurance, and the $450/mo HOA fee.

HOA fee

$450/mo

Managed by Ameritech.

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?

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Brokered byRMS ELITE PROPERTIESListing agent: Nicole SmithListing data from Stellar MLS, MLS# TB8554154.

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