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Overview

4 bd2 ba1,644 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1980
Lot10,446 sqft
Living area1,644 sqft
Price / sqft$332
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanThermostatWindow TreatmentsSidewalkStreet Lights

2816 Rustic Oaks Dr is a 1980-built home in Rustic Oaks, Palm Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,644 square feet of living space. Listed at $545,000 (about $332/sqft), 190 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Price Improvement! This beautifully renovated 4-bedroom, 2-bathroom retreat in Palm Harbor offers a rare blend of modern comfort, lasting quality, and strong investment potential. A leased solar system keeps the electric bill to roughly $200-$230 a month — even with the pool heater running — well below the $600-$700 many similar homes see. Every inch has been thoughtfully updated, from the bright open-concept layout to the stylish contemporary finishes and designer kitchen with upgraded appliances and sleek cabinetry. The spacious bedrooms provide flexible living space, perfect for family, guests, or a dedicated home office. Out back, enjoy your own private oasis centered around a pool that's been completely redone with a brand-new pump — no lingering repairs, just peace of mind and ready-to-enjoy Florida living. Whether you're looking for a turnkey primary residence or a proven short-term rental investment, this home checks every box. Its sought-after location, polished interior, and inviting outdoor space make it equally well-suited for full-time living or generating consistent rental income.

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The essentials

Built
1980
Price / sqft
$332
On market
190 days
Annual tax
$7,828
Flood zone
X · Low risk
Lot
10,446 sqft
Type
Single Family Residence

At a glance

Single family
Built 1980
Private pool
Heated
2 car garage
10,446 sqft lot
Lot size
1,644 sqft
Living area

Payment

Est. monthly payment
$3,767/mo
Down payment (20%)
$109,000
Property taxes
$652/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1980
Lot
10,446 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Heated, In Ground
Days on Market
190
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Thermostat
Window Treatments
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
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.

Flood Zone X
Annual Tax (2025)
$7,828
Parcel #
06-28-16-77640-000-0490

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
Rustic Oaks
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
10,446 sqft

Price history

Date
Event
Price
9/13/2026
Price change
Source: Stellar MLS #W7884575
$545,000-1.8%
$332/sqft
-
Price change
Source: Stellar MLS #W7884575
$555,000-6.7%
$338/sqft
4/7/2026
Listed for sale
Source: Stellar MLS #W7884575
$595,000
$362/sqft

Neighborhood

2816 Rustic Oaks Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $545,000
$535,000 – $545,000
98.4% – 100% of listTops out right at the list price
80% of listList price
71 of the last 141 home closings in 34684 landed at this number or higher (50%). The median one sat 19 days before it went under contract, and this one is on day 190 after a $50,000 cut.

Sample: 141 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,767/mo
Principal & interest$2,842
Property taxes$652
Insurance$273
Down payment20% · $109,000
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%. 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

$545,000

$332 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,644 sq ft

Time on market

190 days

Year built

1980

Monthly payment

About $3,767/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,828 annual tax bill, insurance.

Flood zone

Zone X

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

Offer

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Brokered byLPT REALTY, LLCListing agent: Richard Bishop, IIIListing data from Stellar MLS, MLS# W7884575.

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