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$246,000

4045 BLUFF OAK COURT, PALM HARBOR, FL 34684

3D Tour
Active67 days on market

Beds

2

Baths

2

Sq Ft

1,120 sq ft

Year Built

1984

Lot Size

0.06 acres

Garage

—

About This Property

PRICE ADJUSTMENT! New price $246,000! Motivated Seller, bring all reasonable offers! This neighborhood is one of the best kept secrets in Palm Harbor! Tucked off Tampa Road and convenient to everything, this community of one story villas is a peaceful oasis of mature trees and well maintained landscaping with a sparkling pool and brand new multipurpose pickleball/tennis/basketball court. Got dogs? They will love it here too! You can take nice long walks without ever having to leave the neighborhood. When you first step inside this home you will notice the great layout, large kitchen with plenty of counter and storage space, new fridge and range, inside laundry hook ups, and a generous sized primary bedroom with good closet space. The front patio off the kitchen is a perfect spot for grilling or just enjoying our beautiful Florida weather. The back porch has been upgraded to a fully air conditioned four season room with screens and sliding windows so it can be used year round and the upgraded impact resistant sliders keep the adjoining bedroom nice and quiet. Roof maintenance & replacement (last done in 2022) included in HOA fees. There is a lot to love with this one, schedule a showing today and see for yourself!

Property Overview

Property TypeResidential
Sub TypeVilla
MLS #TB8533355
StatusActive
Year Built1984
Stories1
Total Rooms4
ConstructionStucco, Wood Frame
RoofShingle
FoundationSlab
FacesWest
SubdivisionSTRATHMORE GATE EAST
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Stone Counters, Window Treatments
FlooringLaminate, Porcelain Tile
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryElectric Dryer Hookup, Inside, Washer Hookup
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Lighting, Sliding Doors, Storage
Lot Size0.06 acres (2,592 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterNone
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Electricity Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
HOA Fee$450 / Monthly
Senior CommunityNo

Financial Details

List Price$246,000
Original Price$256,000
Annual Taxes$3,968 (2025)
FinancingCash, Conventional
ZoningRPD-5
Parcel #082816855630001690

Directions

Tampa Road to Strathmore Gate Drive ~ Strathmore Gate Drive to Bluff Oak Court to address.

Location

4045 BLUFF OAK COURT, PALM HARBOR, FL 34684

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedJuly 31, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$246,000

20% ($49,200)
6.75%

Loan Term

Principal & Interest$1,276
Property Tax (est.)$226
Insurance (est.)$150
Total Monthly$1,652
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How to Buy This Home

Multiple financing options available for this $246,000 home in PALM HARBOR.

🏦

Conventional

$12,300 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.

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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: September 14, 2026.

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