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$249,900
Beds
2
Baths
2
Sq Ft
860 sq ft
Year Built
1984
Lot Size
0.08 acres
Garage
1
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!
US Hwy 19 to east on Tampa Rd. Left on Lake St. George Dr. Left on Cloverplace Dr. Right on Phlox Dr. Home (3174 Phlox Drive) is on the left.
3174 PHLOX DRIVE, PALM HARBOR, FL 34684
Pick a Day
Preferred Time
Home Price
$249,900
Loan Term
Multiple financing options available for this $249,900 home in PALM HARBOR.
🏛️
$8,747 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
$12,495 Down
Traditional financing. As low as 3-5% down with good credit.
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
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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 31, 2026.