$245,000
3165 PHLOX DRIVE, PALM HARBOR, FL 34684
Beds
2
Baths
1
Sq Ft
855 sq ft
Year Built
1984
Lot Size
0.08 acres
Garage
1
About This Property
Welcome to your new home in Cloverplace of Palm Harbor. 2 bedroom 1 bathroom 1 car garage. New Roof in August 2026! Community swimming pool. New LVP Luxury Vinyl Plank Flooring throughout the home. New Stainless kitchen appliance set. New Range, Microwave, Dishwasher and Refrigerator. New ceiling fan with remote in the living room. High Vaulted ceiling! Updated vanity and tiled bathroom and new toilet. Fresh new interior paint throughout including the garage. New lighting. Home had professional sinkhole remediation done in 2018 with a permit that is on file with the county and is completely insurable!! Heating and Air conditioning system is 2018. Large walk-in closet in the master bedroom. Washer dryer hook ups are in the garage. Fenced backyard with gate. Flood zone X. NON flood zone. Seller will assist buyer with closing costs with a finance offer!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Tampa Rd to Landmark turn north and then turn west into Cloverplace neighborhood and then to Phlox then to address
Location
3165 PHLOX DRIVE, PALM HARBOR, FL 34684
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$245,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $245,000 home in PALM HARBOR.
🏛️
FHA Loan
$8,575 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
$12,250 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: October 15, 2026.