3174 PHLOX DRIVE, PALM HARBOR, FL, 34684
Active2 days on marketListed Jul 22, 2026MLS #TB8531522
About this home
3174 PHLOX DRIVE
Virtually Staged. Welcome to this charming 2-bedroom, 2-bath villa in the desirable Clover Place 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!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
860
Sqft
0.08 ac
Lot size
1
Garage
1984
Year built
One
Levels
$308
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,292 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,292/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+45.1%
$/sqft vs Palm Harbor actives
$308 vs $258
Days on market
2 vs 42 typical
Where $308/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cloverplace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Cloverplace — neighborhood snapshot
Population
761
Median age
51
Median income
$47,801
Median home value
$224,140
Avg household
2
Households w/ children
75%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
208 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3174 PHLOX DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$250,000
269 PETREA DRIVE · same community
2 bd · 1 ba · 855 sqft · $292/sqft · 3 DOM
Sold · May ’26$210,000
3199 PHLOX DRIVE · same community
3 bd · 2 ba · 950 sqft · $221/sqft · 37 DOM
Sold · Nov ’25$293,000
3253 LATANA DRIVE · same community
3 bd · 2 ba · 950 sqft · $308/sqft · 80 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3174 PHLOX DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3174 PHLOX DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3174 PHLOX DRIVE FAQs
What would the monthly payment be for 3174 PHLOX DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,292/mo — principal and interest, the actual property-tax bill, the $230/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3174 PHLOX DRIVE?+
The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3174 PHLOX DRIVE?+
The most recent tax bill on record (2025) was $2,702. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3174 PHLOX DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $265,000, this home is listed about 29% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3174 PHLOX DRIVE?+
Highland Lakes Elementary School (elementary), Joseph L. Carwise Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Garden & Tennis Court views
The garden and tennis court view is part of what you're buying — views hold value independently of the structure.
02Fresh on the market
Only 2 days on market in a Palm Harbor market that averages 42 — if it fits, move quickly.
03Strong assigned schools
Highland Lakes Elementary School, Joseph L. Carwise Middle School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $365,000, now $265,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RAGSDALE RESIDENTIAL REALTY · Beverly Burchfield. MLS #TB8531522.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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