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$452,500

3298 ORCHARD DRIVE, PALM HARBOR, FL 34684

3D Tour

Active68 days on market

Beds

Baths

Sq Ft

1,246 sq ft

Year Built

1983

Lot Size

0.17 acres

Garage

About This Property

Motivated Seller - Beautifully updated pool home in the desirable Country Grove community of Palm Harbor. This 3-bedroom, 2-bath home features an open and bright layout with modern finishes throughout. Major improvements include a 30-year shingle roof installed in 2024, a new HVAC system and water heater installed in 2023, impact-rated windows added in 2024, fresh exterior stucco and paint, new interior paint, updated baseboards, luxury vinyl flooring, and ceramic tile. The kitchen offers a contemporary design with solid-wood cabinetry, updated fixtures, a spacious island with added storage, and a full set of new stainless-steel appliances. The primary suite features high ceilings, dual walk-in closets, and a large updated bathroom with double sinks. The split floor plan provides added privacy. A screened porch opens to the private pool area and fully fenced backyard, creating an ideal space for relaxation and entertaining. The property is located outside the flood zone, offering additional peace of mind. With no HOA or CDD fees and a convenient location near Clearwater, Honeymoon Beach, Tampa, Safety Harbor, Dunedin, and popular Gulf Coast beaches, this home offers comfort, modern updates, and excellent accessibility. A great opportunity for a primary residence or investment.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8505143

StatusActive

Year Built1983

Stories1

Total Rooms3

ConstructionBlock, Stucco

RoofShingle

FoundationSlab

FacesSouthwest

SubdivisionCOUNTRY GROVE SUB

CountyPinellas

OwnershipFee Simple

FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo, Solid Surface Counters

FlooringCeramic Tile, Luxury Vinyl, Tile

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

LaundryIn Garage

WindowsStorm Window(s)

CoolingCentral Air

HeatingCentral

SecuritySmoke Detector(s)

Exterior & Lot

ExteriorFire Pit, Private Mailbox, Sidewalk, Sliding Doors

FencingFenced, Wood

Lot Size0.17 acres (7,471 sq ft)

Lot Dimensions73 x 100

Road SurfacePaved

Pool & Spa

Private PoolYes

Pool FeaturesIn Ground

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$452,500

Original Price$475,000

Annual Taxes$6,870 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-3

Parcel #312716186200000460

Directions

From Tampa Rd, turn onto Lake St. George Dr and continue straight into the neighborhood. Turn right onto Orchard Dr and follow the road to the property.

Location

3298 ORCHARD DRIVE, PALM HARBOR, FL 34684

Listing Information

OfficeAVISTA BAY REALTY, LLC

ListedMay 8, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$452,500

Down Payment20% ($90,500)

Interest Rate6.75%

Loan Term

Principal & Interest$2,348

Property Tax (est.)$415

Insurance (est.)$150

Total Monthly$2,913

Full Calculator →

How to Buy This Home

Multiple financing options available for this $452,500 home in PALM HARBOR.

🏛️

FHA Loan

$15,838 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$22,625 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 16, 2026.