$545,000
2816 RUSTIC OAKS DRIVE, PALM HARBOR, FL 34684
Beds
4
Baths
2
Sq Ft
1,644 sq ft
Year Built
1980
Lot Size
0.24 acres
Garage
2
About This Property
Price Improvement! This beautifully renovated 4-bedroom, 2-bathroom retreat in Palm Harbor offers a rare blend of modern comfort, lasting quality, and strong investment potential. A leased solar system keeps the electric bill to roughly $200-$230 a month — even with the pool heater running — well below the $600-$700 many similar homes see. Every inch has been thoughtfully updated, from the bright open-concept layout to the stylish contemporary finishes and designer kitchen with upgraded appliances and sleek cabinetry. The spacious bedrooms provide flexible living space, perfect for family, guests, or a dedicated home office. Out back, enjoy your own private oasis centered around a pool that's been completely redone with a brand-new pump — no lingering repairs, just peace of mind and ready-to-enjoy Florida living. Whether you're looking for a turnkey primary residence or a proven short-term rental investment, this home checks every box. Its sought-after location, polished interior, and inviting outdoor space make it equally well-suited for full-time living or generating consistent rental income.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Tampa Road and US Hwy 19 - turn east on Tampa Road - turn north on W Lake Rd - turn east on Trailwood Dr - turn south on Rustic Oak house will be on the south side of the road (10th house)
Location
2816 RUSTIC OAKS DRIVE, PALM HARBOR, FL 34684
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$545,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $545,000 home in PALM HARBOR.
🏛️
FHA Loan
$19,075 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
$27,250 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.
More Homes in Palm Harbor
More Homes in Palm Harbor
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 13, 2026.