INNOVATE Real Estate
Single Family Residence at 2816 RUSTIC OAKS DR, PALM HARBOR
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$545,000

2816 RUSTIC OAKS DR
PALM HARBOR, FL 34684
Listed by Richard Bishop, III · LPT REALTY, LLC
Bedrooms
4
Bathrooms
2
Living area
1,644 sqft
Year built
1980

About this home

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.

Highlights

Private pool

Property details

MLS #
MFRW7884575
Property type
Single Family Residence
Subdivision
RUSTIC OAKS
Status
Active
Days on market
159
On market date
April 7, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.24 acres

Location

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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
LAKE ST. GEORGE ELEMENTARY SCHOOL
0.97 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
610
Student:teacher ratio
13.6:1
District
PINELLAS
Middle
PALM HARBOR MIDDLE SCHOOL
1.22 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,127
Student:teacher ratio
19.4:1
District
PINELLAS
High
PALM HARBOR UNIVERSITY HIGH
1.98 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,480
Student:teacher ratio
22.1:1
District
PINELLAS

Walkability

Blended score for PALM HARBOR's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

58
Somewhat walkable
out of 100
EPA National Walkability Index
7.3 / 20 -- Below average walkable
Google Places amenity density
90 / 100
Restaurants & cafes20
Grocery stores6
Parks1
Schools4
Transit stops7
Pharmacies6

Market position

How this listing compares to current activity in PALM HARBOR, from live MLS data.

On the market 159 days -- 59 more days than PALM HARBOR's current average of 100 days.
For reference, the median list price across 727 active listings in PALM HARBOR right now is $310,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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% / yr
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/mo
Est. monthly payment
$3,432/mo
$109,000 down
$436,000 loan
Principal & interest$2,828
Property tax (est.)$454
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 22 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.