Mature Landscaping, Newer vinyl fence - 3174 PHLOX DR, PALM HARBOR
Front of home - 3174 PHLOX DR, PALM HARBOR
Roof only 4 years old! - 3174 PHLOX DR, PALM HARBOR
Good sized driveway - 3174 PHLOX DR, PALM HARBOR
Tennis/pickleball & a neighborhood pool! - 3174 PHLOX DR, PALM HARBOR
Pool & Courts around the corner! - 3174 PHLOX DR, PALM HARBOR
Floor Plan - 3174 PHLOX DR, PALM HARBOR
Great Room Virtually Staged - 3174 PHLOX DR, PALM HARBOR
Great Room different angle Virtually Staged - 3174 PHLOX DR, PALM HARBOR
Great Room and view of Breakfast Bar - 3174 PHLOX DR, PALM HARBOR
Great Room into Sunroom Virtually Staged - 3174 PHLOX DR, PALM HARBOR
Entering Sunroom - 3174 PHLOX DR, PALM HARBOR
Sunroom - 3174 PHLOX DR, PALM HARBOR
Sunroom with patio view & hurricane impact slider - 3174 PHLOX DR, PALM HARBOR
Kitchen looking into Great Room - 3174 PHLOX DR, PALM HARBOR
Kitchen Breakfast Bar - 3174 PHLOX DR, PALM HARBOR
Primary Bedroom Virtually Staged - 3174 PHLOX DR, PALM HARBOR
Primary Bedroom with entry to Sunroom - 3174 PHLOX DR, PALM HARBOR
Primary Ensuite Walk-In Shower - 3174 PHLOX DR, PALM HARBOR
Guest Room - 3174 PHLOX DR, PALM HARBOR
Guest Room Closet - 3174 PHLOX DR, PALM HARBOR
Hall Bathroom with Custom Tiled shower - 3174 PHLOX DR, PALM HARBOR
Flex Space - 3174 PHLOX DR, PALM HARBOR
Washer and Dryer - 3174 PHLOX DR, PALM HARBOR
Backyard - 3174 PHLOX DR, PALM HARBOR
Backyard with newer vinyl fence - 3174 PHLOX DR, PALM HARBOR
Back and Side yard, all fenced - 3174 PHLOX DR, PALM HARBOR
27 photos

$229,000

3174 PHLOX DR
PALM HARBOR, FL 34684
Listed by Beverly Burchfield
Bedrooms
2
Bathrooms
2
Living area
860 sqft
Year built
1984

About this home

Virtually Staged. PRICE IMPROVEMENT! Welcome to this charming 2-bedroom, 2-bath villa, plus a bonus/flex room in the desirable Cloverplace 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!

Property details

MLS #
MFRTB8531522
Property type
Villa
Subdivision
CLOVERPLACE CONDO
Status
Active
Days on market
65
On market date
July 22, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
1
Parking spaces
N/A
Lot size
0.08 acres
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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
HIGHLAND LAKES ELEMENTARY SCHOOL
0.72 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
518
Student:teacher ratio
14.0:1
District
PINELLAS
Middle
JOSEPH L. CARWISE MIDDLE SCHOOL
1.25 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
1,155
Student:teacher ratio
18.0:1
District
PINELLAS
High
PALM HARBOR UNIVERSITY HIGH
2.4 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 65 days -- 35 fewer days than PALM HARBOR's current average of 100 days.
For reference, the median list price across 724 active listings in PALM HARBOR right now is $309,950.

Mortgage calculator

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

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Est. monthly payment
$1,529/mo
$45,800 down
$183,200 loan
Principal & interest$1,188
Property tax (est.)$191
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 6 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.