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$650,000

611 TOMOKA DRIVE, PALM HARBOR, FL 34683

3D Tour
Active3 days on market

Beds

4

Baths

2

Sq Ft

2,287 sq ft

Year Built

1990

Lot Size

0.25 acres

Garage

2

About This Property

Welcome to this Four-Bedroom, Two-Bathroom Pool Home. Offering 2,287 square feet of thoughtfully designed living space in wonderful Country Oak Estates of Palm Harbor. Situated on a spacious Quarter of an Acre Lot, on a Dead-End street, this home is truly a sanctuary. Featuring: 2021 ROOF, 2025 HWH, 2014 HVAC & a spacious 2-Car Garage. Step through the stately Double Doors into the Foyer. Here you are welcomed by easy care flooring throughout. The Foyer/ Kitchen & Bathrooms boast Ceramic Tile. The rest of the home has Laminate Plank. Designed for both Casual Living and Formal Entertaining, each Large Room offers abundant furniture placement options. The Split-Bedroom floor plan provides both privacy and functionality. The Kitchen is central to this home, featuring Solid Surface Countertops, Stainless Steel Appliances, rich Maple Wood Cabinetry & a separate Closet Pantry. Abundant Task and Ambient Lighting ensure the perfect mood for display, function & relaxation. A separate, Sunny Breakfast Room exists in addition to the Formal Dining Room. Both have a great view of the Pool & Spa through 2 of the 3 sets of French Doors leading to your Caged Pool. On one side of the home, the Primary Bedroom Suite exudes privacy with its own Ensuite Retreat. 2 separate Sink Vanities, a Shower Stall & a luxurious Soaking Tub. 2 Walk-In closets provide ease of dressing. The 3 additional Bedrooms are located on the other side of this spacious home. Utilize all as Bedrooms or perhaps, you'll use 1 as an Office or an Artists/Craft Studio space. The Screened Lania offers 300 sq.ft., Under Cover, for Outdoor Cooking and Dining. Easy access to the 2nd Bathroom from the Pool Deck. Palm Harbor is a quaint town with superb Dining and Shopping venues. There are excellent Medical Facilities nearby. Top Rated Schools serve this locale. Located in a NON-Evacuation/Non-Flood Zone.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7889518
StatusActive
Year Built1990
Stories1
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionCOUNTRY OAK ESTATES
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Skylight(s), Solid Surface Counters, Thermostat, Walk-In Closet(s)
FlooringCeramic Tile, Laminate
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Refrigerator, Washer
LaundryLaundry Room
WindowsShutters
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()
SecuritySecurity Lights, Smoke Detector(s)

Exterior & Lot

ExteriorFrench Doors, Irrigation System, Rain Gutters
Lot Size0.25 acres (10,799 sq ft)
Lot FeaturesIn County, Sloped, Street Dead-End
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesGunite, In Ground, Tile
SpaIn Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Public, Sprinkler Recycled, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$420 / Semi-Annually
Senior CommunityNo

Financial Details

List Price$650,000
Annual Taxes$4,249 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-1
Parcel #072816186290000390

Schools

ElementaryLake St George Elementary-PN
MiddlePalm Harbor Middle-PN
HighPalm Harbor Univ High-PN

Directions

From US Hwy. 19 N. Exit CR 39 - West to Tomoka Dr. Right Turn into Country Oak Estates. Continue on Tomoka Drive. to House 611 on Right.

Location

611 TOMOKA DRIVE, PALM HARBOR, FL 34683

Listing Information

OfficeREALTY ONE GROUP BEYOND
ListedSeptember 16, 2026

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Home Price

$650,000

20% ($130,000)
6.75%

Loan Term

Principal & Interest$3,373
Property Tax (est.)$596
Insurance (est.)$150
Total Monthly$4,119
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $650,000 home in PALM HARBOR.

🏛️

FHA Loan

$22,750 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

$32,500 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 19, 2026.

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