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4045 Bluff Oak CT, Palm Harbor, FL, 34684

$229/sqft·Strathmore Gate East

2 bd2 ba1,120 sqftVilla
Listed by COLDWELL BANKER REALTY· Last updated · MLS# TB8533355

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,244/mo
Down payment (20%)
$51,200
Property taxes
$331/mo
HOA
$450/mo
Rate assumed
6.8% · 30 yr
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At a glance

Villa
Built 1984
Community pool
Shared amenity
2,592 sqft lot
Lot size
1,120 sqft
Living area

About this home

Ceiling Fans(s)Stone CountersWindow TreatmentsLightingSliding DoorsStorageAssociation Recreation - OwnedBuyer Approval Required

4045 Bluff Oak CT is a 1984-built home in Strathmore Gate East, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,120 square feet of living space. Listed at $256,000 (about $229/sqft), 1 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $450 monthly.

From the listing

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!

The essentials

Built
1984
Price / sqft
$229
On market
44 days
Annual tax
$3,968
HOA
$450/mo
Flood zone
A
Lot
2,592 sqft
Type
Villa

Location

4045 Bluff Oak CT
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Villa
Year Built
1984
Lot
2,592 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
44
Ceiling Fans(s)
Stone Counters
Window Treatments
Lighting
Sliding Doors
Storage
Association Recreation - Owned
Buyer Approval Required
Pool
Tennis Court(s)
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone A

Annual Tax (2025)

$3,968

Parcel #

08-28-16-85563-000-1690

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Strathmore Gate East

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

2,592 sqft

HOA
$450/mo
Ameritech / Angela Johnson
Date
Event
Price
7/31/2026
Listed for sale
Source: Stellar MLS #TB8533355
$256,000+46.4%
$229/sqft
5/1/2018
Sold
Source: Pinellas County Public Record
$174,900
$156/sqft
Est. monthly payment$2,244/mo
Principal & interest$1,335
Property taxes$331
Insurance$128
HOA$450
Down payment20% · $51,200
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $256,000
$252,500 – $256,000
98.6% – 100% of listTops out right at the list price
80% of listList price
28 of the last 54 townhouse or villa closings in 34684 landed at this number or higher (52%). The median one sat 35 days before it went under contract, and this one is on day 44.

Sample: 54 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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