3174 PHLOX DRIVE, Palm Harbor, FL, 34684
About This Home
Virtually Staged. PRICE IMPROVEMENT! 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!
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 1984
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Villa
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Range,Refrigerator,Washer,Water Softener
- Laundry features: Inside
Bedroom2
- Features: Built-in Closet
- Level: First
- Area: 96
- Dimensions: 8x12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Surface Counters,Thermostat
- Door features: Sliding Doors
- Flooring: Tile
- Common walls with other units/homes: Corner Unit,End Unit
Heating & Cooling
- Heating features: Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 860
- Total interior livable area: 860 sqft
Kitchen
- Features: Breakfast Bar,No Closet
- Level: First
- Area: 96
- Dimensions: 8x12
Living Room
- Features: No Closet
- Level: First
- Area: 500
- Dimensions: 25x20
Primary Bedroom
- Features: En Suite Bathroom,Built-in Closet
- Level: First
- Area: 216
- Dimensions: 18x12
Property
Details
- Parcel number: 082816167950041640
- Attached to another structure: Yes
- Zoning: RPD-7.5
- Special condition: None
Features
- Levels: One
- Stories: 1
- Pool features: Gunite,In Ground
- Patio & porch: Enclosed,Patio
- Exterior features: Irrigation System,Private Mailbox,Private Yard,Sidewalk,Storage
- Fencing: Fenced,Vinyl
- Has view: Yes
- View description: Garden,Tennis Court
- Residential vegetation: Mature Landscaping,Trees/Landscaped
Lot
- Lot size: 3,742 sqft
- Features: In County,Landscaped,Private,Sidewalk,Above Flood Plain
Parking
- Total spaces: 1
- Parking features: Converted Garage,Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Cold Wave
- Hurricane
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,263 | $15,156 |
| Home Insurance * | $276 | $3,312 |
| Property Taxes | $303 | $3,636 |
| Electricity | $197 | $2,366 |
| Total | $2,039 | $24,468 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Price change | $249,900 |
| 2026-07-22 | Listed for sale | $265,000 |
| 2018-05-16 | Sold | $99,900 |
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