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Overview

4 bd2 ba2,287 sqft2 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built1990
Lot10,799 sqft
Living area2,287 sqft
Price / sqft$284
Garage2 car

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About this home

Built-in FeaturesCeiling Fans(s)High CeilingsKitchen/Family Room ComboSolid Surface CountersThermostatWalk-in Closet(s)Rain Gutters

611 Tomoka Dr is a 1990-built home in Country Oak Estates, Palm Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,287 square feet of living space. Listed at $650,000 (about $284/sqft), 28 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 semi-annually.

From the listing

Welcome to this Four-Bedroom, Two-Bathroom Pool Home. Offering 2,287 square feet of thoughtfully designed living space in wonderful Country Oak Estates of Palm Harbor. Situated on a spacious Quarter of an Acre Lot, on a Dead-End street, this home is truly a sanctuary. Featuring: 2021 ROOF, 2025 HWH, 2014 HVAC & a spacious 2-Car Garage. Step through the stately Double Doors into the Foyer. Here you are welcomed by easy care flooring throughout. The Foyer/ Kitchen & Bathrooms boast Ceramic Tile. The rest of the home has Laminate Plank. Designed for both Casual Living and Formal Entertaining, each Large Room offers abundant furniture placement options. The Split-Bedroom floor plan provides both privacy and functionality. The Kitchen is central to this home, featuring Solid Surface Countertops, Stainless Steel Appliances, rich Maple Wood Cabinetry & a separate Closet Pantry. Abundant Task and Ambient Lighting ensure the perfect mood for display, function & relaxation. A separate, Sunny Breakfast Room exists in addition to the Formal Dining Room. Both have a great view of the Pool & Spa through 2 of the 3 sets of French Doors leading to your Caged Pool. On one side of the home, the Primary Bedroom Suite exudes privacy with its own Ensuite Retreat. 2 separate Sink Vanities, a Shower Stall & a luxurious Soaking Tub. 2 Walk-In closets provide ease of dressing. The 3 additional Bedrooms are located on the other side of this spacious home. Utilize all as Bedrooms or perhaps, you'll use 1 as an Office or an Artists/Craft Studio space. The Screened Lania offers 300 sq.ft., Under Cover, for Outdoor Cooking and Dining. Easy access to the 2nd Bathroom from the Pool Deck. Palm Harbor is a quaint town with superb Dining and Shopping venues. There are excellent Medical Facilities nearby. Top Rated Schools serve this locale. Located in a NON-Evacuation/Non-Flood Zone.

The essentials

Built
1990
Price / sqft
$284
On market
28 days
Annual tax
$4,249
HOA
$420/yr
Flood zone
X · Low risk
Lot
10,799 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Private pool
Gunite
2 car garage
Driveway
0.25 acres
Lot size
2,287 sqft
Living area

Payment

Est. monthly payment
$4,104/mo
Down payment (20%)
$130,000
Property taxes
$354/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
10,799 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Off Street
Pool
Gunite, In Ground, Tile
Days on Market
28
Built-in Features
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Rain Gutters
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Refrigerator
Washer
Elementary
Lake St George Elementary-PN
Middle
Palm Harbor 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)
$4,249
Parcel #
07-28-16-18629-000-0390

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
Country Oak Estates
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
10,799 sqft
In CountySlopedStreet Dead-End
HOA
$420/yr
CITADEL PROPERTY MANAGEMENT GROUP

Price history

Date
Event
Price
9/12/2026
Listed for sale
Source: Stellar MLS #W7889518
$650,000
$284/sqft

Neighborhood

611 Tomoka Dr
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $650,000
$640,000 – $650,000
98.4% – 100% of listTops out right at the list price
80% of listList price
78 of the last 155 home closings in 34683 landed at this number or higher (50%). The median one sat 26 days before it went under contract, and this one is on day 28.

Sample: 155 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,104/mo
Principal & interest$3,390
Property taxes$354
Insurance$325
HOA$35
Down payment20% · $130,000
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%. 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

$650,000

$284 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,287 sq ft

Time on market

28 days

Year built

1990

Monthly payment

About $4,104/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,249 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by CITADEL PROPERTY MANAGEMENT GROUP.

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 byREALTY ONE GROUP BEYONDListing agent: Kimberleigh FlynnListing data from Stellar MLS, MLS# W7889518.

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