2122 CLOVER HILL ROAD, PALM HARBOR, FL, 34683
Active103 days on marketListed Apr 22, 2026MLS #W7885061
About this home
2122 CLOVER HILL ROAD
Welcome to the highly sought after Courtyards at Gleneagles, where comfort, convenience, and low-maintenance living come together in this beautifully maintained 2-bedroom, 1.5-bathroom townhome. Nestled within a tranquil, tree-lined community, this residence offers a perfect blend of style and functionality. Step inside to discover a bright and inviting interior featuring neutral tile flooring throughout the main level. The open-concept layout seamlessly connects the kitchen, dining, and living areas, allowing for effortless flow and an abundance of natural light. The well appointed kitchen overlooks the main living space and features newer modern appliances (2024), and generous counter space. Upstairs, the spacious primary suite serves as a private retreat, complete with a walk-in closet and access to a screened-in balcony—perfect for enjoying your morning coffee or unwinding in the evening. Additional storage is thoughtfully integrated throughout, including both the balcony and screened lanai, ensuring maximum functionality. Updates provide peace of mind, including double-pane windows (2017), water softener (2025), and a newer roof (2023), all contributing to improved energy efficiency and long-term value. A conveniently located washer and dryer just outside the primary bedroom adds to the home’s practicality. Enjoy the Florida lifestyle from your screened-in lanai, offering a serene outdoor space with additional storage. This unit also includes a designated parking space for added convenience. Residents of Courtyards at Gleneagles benefit from a comprehensive HOA that covers building insurance, exterior maintenance, basic cable, and access to the community pool. Located in North Pinellas County, this home provides easy access to top destinations including Innisbrook Golf Resort (home of the Valspar Championship), beautiful Gulf beaches, local parks, the Tarpon Springs Sponge Docks, and charming downtown Palm Harbor. This is an exceptional opportunity to own a move-in ready home in a peaceful yet centrally located community. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,190
Sqft
0.04 ac
Lot size
1993
Year built
Two
Levels
$208
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.
$2,479 /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
$2,479/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
+3.8%
$/sqft vs Palm Harbor actives
$208 vs $261
Days on market
103 vs 42 typical
Where $208/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 Gleneagles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Gleneagles — neighborhood snapshot
Population
1,807
Median age
42
Median income
$60,120
Median home value
$255,400
Avg household
2
Households w/ children
125
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)
201 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 40% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2122 CLOVER HILL ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$233,000
4207 CHESTERFIELD CIRCLE · same community
2 bd · 2 ba · 1,220 sqft · $191/sqft · 34 DOM
Sold · Jan ’26$270,000
2182 CLOVER HILL ROAD · same community
2 bd · 2.5 ba · 1,360 sqft · $199/sqft · 5 DOM
Sold · Dec ’25$272,750
2180 CLOVER HILL ROAD · same community
2 bd · 2.5 ba · 1,360 sqft · $201/sqft · 5 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 2122 CLOVER HILL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2122 CLOVER HILL ROAD — 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
2122 CLOVER HILL ROAD FAQs
What would the monthly payment be for 2122 CLOVER HILL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,479/mo — principal and interest, the actual property-tax bill, the $464/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 2122 CLOVER HILL ROAD?+
The association fee works out to $464 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2122 CLOVER HILL ROAD?+
The most recent tax bill on record (2025) was $3,435. 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 2122 CLOVER HILL ROAD?+
The listing reports pets: Dogs OK. 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 $247,900, this home is listed about 34% 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 2122 CLOVER HILL ROAD?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM HARBOR 34683 market on paper
$247,900 is 40% below the PALM HARBOR 34683 median of $415,000, and at $208/sqft it sits under the Palm Harbor average of $269.
02Time on market is leverage
103 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $260,000, now $247,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY · Jason St Croix. MLS #W7885061.
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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