3157 PHLOX DRIVE UNIT 3157, PALM HARBOR, FL, 34684
Active2 days on marketListed Aug 6, 2026MLS #O6431130
About this home
3157 PHLOX DRIVE UNIT 3157
Welcome home to this beautifully maintained 3 Bedroom/2 Bathroom Palm Harbor residence. Offering a spacious and functional floor plan, this home is designed for comfortable everyday living while providing the perfect space for entertaining family and friends. Step inside to discover an inviting open-concept layout featuring generous living areas filled with natural light. The well-appointed kitchen offers ample cabinet and counter space, making meal preparation a breeze while overlooking the main living and dining areas. The spacious primary suite provides a relaxing retreat with a private en-suite bathroom, while the additional bedrooms allow flexibility for guests, a home office, or growing families. Enjoy the convenience of abundant storage throughout the home. Outside, the backyard provides plenty of room for outdoor gatherings, gardening, or simply relaxing in the Florida sunshine. Whether you're hosting a weekend barbecue or enjoying a quiet evening, this outdoor space offers endless possibilities. Located just minutes from top-rated schools, beautiful Gulf beaches, parks, shopping, dining, and easy access to major commuter routes, this home combines comfort, convenience, and the Florida lifestyle you've been searching for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
950
Sqft
0.08 ac
Lot size
1
Garage
1984
Year built
One
Levels
$205
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,854 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,854/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−24.4%
$/sqft vs Palm Harbor actives
$205 vs $261
Days on market
2 vs 47 typical
Where $205/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cloverplace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Cloverplace — neighborhood snapshot
Population
761
Median age
51
Median income
$47,801
Median home value
$224,140
Avg household
2
Households w/ children
75%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
225 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3157 PHLOX DRIVE UNIT 3157
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$270,000
3294 CLOVERPLACE DRIVE UNIT 15 · same community
3 bd · 2 ba · 950 sqft · $284/sqft · 122 DOM
Sold · May ’26$210,000
3199 PHLOX DRIVE · same community
3 bd · 2 ba · 950 sqft · $221/sqft · 37 DOM
Sold · Nov ’25$293,000
3253 LATANA DRIVE · same community
3 bd · 2 ba · 950 sqft · $308/sqft · 80 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3157 PHLOX DRIVE UNIT 3157 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3157 PHLOX DRIVE UNIT 3157 — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3157 PHLOX DRIVE UNIT 3157 FAQs
What would the monthly payment be for 3157 PHLOX DRIVE UNIT 3157?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,854/mo — principal and interest, the actual property-tax bill, the $225/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3157 PHLOX DRIVE UNIT 3157?+
The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3157 PHLOX DRIVE UNIT 3157?+
The most recent tax bill on record (2025) was $2,815. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3157 PHLOX DRIVE UNIT 3157?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $195,000, this home is listed about 49% below the Palm Harbor median of $379,945. The market section on this page shows how the area is trending.
Which schools are assigned to 3157 PHLOX DRIVE UNIT 3157?+
Highland Lakes Elementary School (elementary), Joseph L. Carwise Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34684 market on paper
$195,000 is 22% below the PALM HARBOR 34684 median of $250,000, and at $205/sqft it sits under the Palm Harbor average of $272.
02Fresh on the market
Only 2 days on market in a Palm Harbor market that averages 47 — if it fits, move quickly.
03Strong assigned schools
Highland Lakes Elementary School, Joseph L. Carwise Middle School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HIGHLIGHT REALTY CORP/LW · Nisim Korkus. MLS #O6431130.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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