Palm Harbor Homes under $400,000

Palm Harbor Homes under $400,000

Welcome to Palm Harbor, Florida – a hidden gem nestled in the heart of Pinellas County! Known for its stunning waterfront views, lush landscapes, and vibrant community, Palm Harbor offers a unique blend of suburban tranquility and coastal charm. With its warm climate and beautiful beaches just a stone's throw away, residents enjoy an outdoor lifestyle that includes boating, fishing, and sun-soaked afternoons at nearby Honeymoon Island State Park.

Palm Harbor is not just about picturesque scenery; it’s also a community brimming with amenities. From quaint boutiques and delightful cafes to top-rated schools and recreational facilities, there’s something for everyone. The area is well-connected, making it easy to explore nearby attractions like the bustling city of Clearwater or the cultural richness of St. Petersburg.

For homebuyers seeking affordability without sacrificing quality of life, Palm Harbor is an excellent choice. The real estate market features a variety of homes priced under $400,000, providing opportunities for first-time buyers, families, and retirees alike. Whether you’re looking for a cozy single-family home or a charming townhouse, you’ll find a range of options that cater to diverse lifestyles and budgets.

With its friendly atmosphere, engaging community events, and access to beautiful natural surroundings, Palm Harbor truly embodies the essence of Florida living. Come discover your dream home in this enchanting coastal town – where every day feels like a vacation!

Newest Palm Harbor Homes under $400,000

3430 Hillmoor Drive, Palm Harbor
$260,000
2 Beds ⋅ 2 Baths ⋅ Brookhaven SubDv. ⋅ 34685 Zip Code
Virtually staged. Water View! You will not want to miss this updated 2-bed, 2-bath Villa in desirable Brookhaven. This GATED Community in Ridgemoor offers maintenance free living in the heart of Palm Harbor! Updated wood-like tile throughout. Great room features vaulted ceilings, a cozy fireplace, and scenic water views. Beautifully updated kitchen with eat-in counter, stainless steel appliances, granite countertops, decorative backsplash, under cabinet lighting, and dark wood cabinets. Enjoy beautiful water view sunsets every night from the covered patio. Primary bedroom features an ensuite bathroom and walk-in closet. Enjoy the convenience of an inside washer and dryer and updated bathrooms. A/C installed in 2023. Pet friendly community & super location close to John Chestnut Park with a variety of wildlife and Lake Tarpon for boating & dog park, N Pinellas Trail and YMCA, shopping, restaurants, and golf courses nearby. Short drive to the beach, Tampa International Airport & PIE Airport. Easy commute to Tampa and St. Pete. Flood insurance not required.

3430 Hillmoor Drive, Palm Harbor
2310 Liston Circle, Palm Harbor
$358,900
3 Beds ⋅ 2 Baths ⋅ Green Valley Estates Unit Two SubDv. ⋅ 34683 Zip Code
Welcome Home! Tucked away on a quiet cul-de-sac, this three-bedroom, two-bathroom home offers a really great floor plan with solid concrete block construction. Step up to the quaint front porch and head inside to a bright, welcoming great room featuring vaulted ceilings, cozy carpet, and tons of natural light. The kitchen is an absolute standout, outfitted with beautiful quartz counters, a classic stainless farmhouse sink, high-end stainless appliances, and a modern range hood. You will definitely appreciate the soft-close cabinets and the custom tile accent wall. It opens right up to the dining room, which features luxury waterproof vinyl plank flooring, a modern lighting fixture, and a sliding door leading out to the rear yard. Your primary suite serves as a relaxing retreat with comfortable carpet, a large closet, and an updated private bath complete with a walk-in shower, a stylish vanity, and LED lights. The second and third bedrooms are wonderfully spacious, and they share a refreshed hall bathroom finished with a sleek vanity and modern LED lighting. For extra storage or projects, the backyard shed is wired with electricity, making it a fantastic workshop or a secure spot for your outdoor toys. You also get an oversized one-car garage that looks incredibly sharp with its epoxy flake floors and an insulated garage door. There is so much peace of mind here: absolutely no HOA fees, the property is not in a flood zone, and major mechanical updates like the windows and AC were already completed in 2018. Located in the highly desirable Palm Harbor school zone, you are just a short drive from local shopping, restaurants, and entertainment. Hurry and schedule your private showing today before this gem is gone!

2310 Liston Circle, Palm Harbor
65 Schooner Drive Unit 65, Palm Harbor
$55,000
2 Beds ⋅ 2 Baths ⋅ Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code
A NEW BEGINNING awaits at 65 Schooner Drive in Palm Harbor’s 55+ WATERFRONT community of Crystal Bay Mobile Home Club. Bring your vision and explore the possibilities for your next chapter in this wonderful community. This is a CO-OP, YOU OWN YOUR SHARE (PROPERTY). -VERY LOW MONTHYLY MAINTENANCE DUES-WATER ACCESS TO GULF WITH A PRIVATE BOAT LAUNCH-BOAT SLIPS AVAILABLE AT VERY LOW COST ANNUALLY-LARGE SWIMMING POOL-CLUB HOUSE-OTHER AMMENITIES SUCH AS FIRE PIT, GRILL, TOOL SHED, SHUFFLEBOARD - NEAR MANY BEACHES (Clearwater, Honeymoon, Sunset, Fred Howard ) - LOCATED ON THE PINELLAS TRAIL - LOCATED IN BEAUTIFUL PALM HARBOR NEAR DUNEDIN AND TARPON SPRINGS!- GREAT COMMUNITY FEEL -Agent can provide NEW HOME BUILD options. The property is offered AS IS and includes a substantially damaged mobile home, A removal quote can be provided upon request to help with planning. Buyers should verify community guidelines and applicable permitting requirements for removal and any future replacement home. For everyone’s safety, showings are exterior only; entry into the mobile home is not permitted! No agent? No Problem, Please call the listing agent with any questions. **All lot dimensions are approximate**

65 Schooner Drive Unit 65, Palm Harbor
70 Schooner Drive Unit 70, Palm Harbor
$65,000
2 Beds ⋅ 2 Baths ⋅ Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code
A NEW BEGINNING awaits at 70 Schooner Drive in Palm Harbor’s 55+ WATERFRONT community of Crystal Bay Mobile Home Club. Bring your vision and explore the possibilities for your next chapter in this wonderful community. This is a CO-OP, YOU OWN YOUR SHARE (PROPERTY). -VERY LOW MONTHYLY MAINTENANCE DUES-WATER ACCESS TO GULF WITH A PRIVATE BOAT LAUNCH-BOAT SLIPS AVAILABLE AT VERY LOW COST ANNUALLY-LARGE SWIMMING POOL-CLUB HOUSE-OTHER AMMENITIES SUCH AS FIRE PIT, GRILL, TOOL SHED, SHUFFLEBOARD - NEAR MANY BEACHES (Clearwater, Honeymoon, Sunset, Fred Howard ) - LOCATED ON THE PINELLAS TRAIL - LOCATED IN BEAUTIFUL PALM HARBOR NEAR DUNEDIN AND TARPON SPRINGS!- GREAT COMMUNITY FEEL -Agent can provide NEW HOME BUILD options. The property is offered AS IS and includes a substantially damaged mobile home, A removal quote can be provided upon request to help with planning. Buyers should verify community guidelines and applicable permitting requirements for removal and any future replacement home. For everyone’s safety, showings are exterior only; entry into the mobile home is not permitted! No agent? No Problem, Please call the listing agent with any questions. **All lot measurements are approximate.**

70 Schooner Drive Unit 70, Palm Harbor
2511 Dolly Bay Drive Unit 104, Palm Harbor
$291,700
2 Beds ⋅ 2 Baths ⋅ Dolly Bay A Village On Lake Tarpon SubDv. ⋅ 34684 Zip Code
MOVE-IN READY | UPDATED | 1,611 SQ. FT. | LAKE TARPON WATERFRONT COMMUNITY! Welcome to Dolly Bay, one of Palm Harbor’s hidden waterfront gems! This spacious 2-bedroom, 2-bath condo offers 1,611 sq. ft. PLUS an enclosed lanai overlooking a serene tropical nature setting. Thoughtfully remodeled and well maintained, this home is move-in ready and offered furnished (optional) for the seller’s convenience. Inside, enjoy a spacious layout with NO CARPET, abundant storage, a large galley kitchen with NEW refrigerator, WET BAR, indoor laundry and pantry/storage area. The enclosed lanai features DOUBLE-PANE INTERIOR SLIDERS and HURRICANE-RATED WINDOWS throughout—creating a peaceful space to enjoy the beautiful nature views. The oversized primary suite features TWO WALK-IN CLOSETS, an ensuite bath with a large ROUND JACUZZI TUB and separate linen closet. The generously sized second bedroom, full hall bath and foyer closet provide even more space and storage. Major improvements include NEW HVAC, NEW HOT WATER HEATER, NEW REFRIGERATOR, NEW METAL ROOF (2024), popcorn ceilings removed, hurricane-rated lanai windows, double-pane interior sliders and numerous additional updates. With just 84 residences, Dolly Bay offers a charming, neighborly atmosphere surrounded by mature trees, tranquil ponds, scenic boardwalks and Florida wildlife—all with DIRECT ACCESS TO LAKE TARPON, one of Pinellas County’s premier freshwater lakes for boating, fishing, kayaking and paddleboarding. Community amenities include a HEATED LAKEFRONT POOL, clubhouse, tennis courts, waterfront boardwalk, fishing dock, fish-cleaning station, community fire pit, picnic area with BBQ grills and private Lake Tarpon access. BOAT SLIPS are available first-come, first-served (currently $1,000/year), with KAYAK STORAGE currently available for $100/year. One assigned parking space plus ample guest parking. Conveniently located near John Chesnut Sr. Park, Pinellas Trail, Gulf beaches, shopping, dining, golf, healthcare and both St. Pete-Clearwater and Tampa International Airports. Imagine boating across Lake Tarpon for lunch or dinner at Tarpon Turtle, fishing at sunrise, kayaking peaceful waters or relaxing around the community fire pit. Ideal as a PRIMARY RESIDENCE, SEASONAL RETREAT or INVESTMENT OPPORTUNITY. It’s more than a home—it’s the Florida waterfront lifestyle. WELCOME TO DOLLY BAY!

2511 Dolly Bay Drive Unit 104, Palm Harbor
2575 Pine Ridge Way S Unit E1, Palm Harbor
$185,000
2 Beds ⋅ 2 Baths ⋅ Pine Ridge At Palm Harbor SubDv. ⋅ 34684 Zip Code
Great location in this 2 Bed 2 Bath First floor Home. Updated Kitchen with large pantry along with Eat-in area. Kitchen opens to Living room and Dining room. Relax on the covered and screened Lanai with ceramic tile and serene view. Separate Laundry room with storage and shelves. Newer vertical blinds throughout. Master Bedroom with Walk-in Closet. Master Bath with Walk-in shower. Convenient assigned parking space and plenty of visitor spaces. Clubhouse has a library, Sparkling Pool, Hot Tub & Shuffleboard. Newer roof and all buildings were recently painted. Low Condo fees. Walking trail around the gorgeous pond with fountain. Close to gulf beaches, golf courses, walk & bike trail, shopping, restaurants & more! Furniture Available. PRESENT ALL OFFERS!

2575 Pine Ridge Way S Unit E1, Palm Harbor
76 Liberty Way Unit 5, Palm Harbor
$163,000
2 Beds ⋅ 2 Baths ⋅ Lake Tarpon Mobile Home Village SubDv. ⋅ 34684 Zip Code
PRICED TO SELL! 55+ Golf Cart Community! One of the LARGER PIECES of LAND IN THE Community, A CORNER UNIT! ON LAKE TARPON And YOU OWN the LAND! 2 Bedroom 1 and1/2 Bath, Loved and upgrade, Soft Water System Added, Luxury Vinyl floors , LOW HOA Fees. SAVE MONEY! This is a NON-FLOOD ZONE.! GREAT VALUE for this BOATING, Swimming, Fishing, Bocci Ball, Pickle Ball, GOLF NET. ACTIVE GOLF CART COMMUNITY. on LAKE TARPON , with BOAT SLIPS & BOAT RAMP, A PIER. Your large Laundry Room is outside & A Separate Private Workshop, A Covered Outside Patio. For your full ENJOYMENT in sought after Palm Harbor in Pinellas County! SET UP your appointment TODAY! Make this your New WATER ACCESS Florida home.!

76 Liberty Way Unit 5, Palm Harbor
1871 Pine Ridge Way W Unit E1, Palm Harbor
$174,900
2 Beds ⋅ 2 Baths ⋅ Pine Ridge At Palm Harbor SubDv. ⋅ 34684 Zip Code
Virtually Staged. Welcome to Pine Ridge at Palm Harbor, a desirable 55+ condominium community offering an active Florida lifestyle in a convenient Pinellas County location. This beautifully updated 2-bedroom, 2-bathroom condo with assigned parking combines modern improvements, comfortable living, and peaceful pond views. With major updates already completed, this move-in-ready residence is ideal for year-round living or a seasonal Florida retreat. Recent improvements include a NEW AIR CONDITIONING SYSTEM installed in November 2025, a NEW WATER HEATER in early 2025, and NEW INTERIOR PAINT throughout in September 2026. Flooring was updated throughout in 2024, with NEW CARPET installed in the bedrooms and main living area in September 2026. The kitchen features a NEW REFRIGERATOR, RANGE, AND MICROWAVE, all replaced in 2026. These thoughtful upgrades provide a fresh, inviting interior and added peace of mind for the next owner. One of the home's most appealing features is the enclosed Florida room, offering approximately 81 square feet of additional space and tranquil north-facing pond views. It's an ideal setting for enjoying your morning coffee, reading, or simply relaxing while overlooking the water. Enjoy the convenience of an HOA fee that includes WATER, SEWER, INTERNET, CABLE TELEVISION, and TRASH COLLECTION TWICE WEEKLY. An additional private storage room is conveniently located in the hallway near the front entrance, providing valuable extra storage space. Pine Ridge at Palm Harbor offers resort-style amenities, including a HEATED SWIMMING POOL, SPA, CLUBHOUSE, SHUFFLEBOARD COURTS, walking trails around scenic ponds, picnic areas, and barbecue facilities. The community provides numerous opportunities to enjoy outdoor recreation, social activities, and the Florida sunshine. Pet-friendly policies and seasonal rental opportunities add to the property's flexibility, subject to association requirements. Conveniently situated just off US Highway 19 North, this Palm Harbor 55+ community offers easy access to shopping, restaurants, grocery stores, medical facilities, and nearby golf courses. Explore charming Downtown Palm Harbor, Historic Downtown Dunedin, the Tarpon Springs Sponge Docks, and the beautiful Gulf Coast beaches. The nearby Pinellas Trail offers miles of opportunities for walking, running, and cycling, while Honeymoon Island State Park and the Dunedin Causeway provide outstanding coastal recreation. Whether you're searching for a primary residence, winter getaway, or low-maintenance condominium in Palm Harbor, this extensively updated 2-bedroom, 2-bath home offers an exceptional opportunity to enjoy Florida's Gulf Coast lifestyle. Schedule your private showing and discover everything Pine Ridge at Palm Harbor has to offer!

1871 Pine Ridge Way W Unit E1, Palm Harbor
2700 Nebraska Avenue Unit 2-203, Palm Harbor
$219,900
2 Beds ⋅ 2 Baths ⋅ Landings Condo The SubDv. ⋅ 34684 Zip Code
Pond views from both the screened lanai and primary suite, custom decorative millwork and a renovated kitchen set this two-bedroom, two-bath condo apart in The Landings. Natural light fills the second-floor home, highlighting the wainscoting accent wall, crown molding and wood-look flooring in the living and dining area. The kitchen features beautiful shaker cabinetry, a tile backsplash, newer stainless steel appliances and a breakfast nook. A pass-through connects it to the dining area, while sliding doors off the living room open to the screened lanai overlooking the pond. A separate lanai storage closet keeps your outdoor supplies nearby, inclding the NEW water heater. The primary suite offers water views, direct lanai access, a walk-in closet and an updated en-suite bath with a walk-in shower. The second bedroom provides space for guests or a home office, with an updated guest bath featuring a tub/shower combination. Indoor laundry includes a newer washer and dryer and storage shelving. Parking includes one assigned covered carport space, plus an additional unassigned space in the visitor parking area. The Landings’ community pool is steps away. Highland Lakes amenities available to eligible residents include three private nine-hole executive golf courses, swimming pools and a spa, tennis, pickleball, clubhouse events, social clubs, and arts and crafts facilities. On Lake Tarpon, residents can enjoy the lakeside lodge, pontoon boat outings and boat ramp, along with RV and boat storage. Located near Trader Joe’s, Palm Harbor restaurants and shopping, with Lake Tarpon and Gulf beaches within easy reach!

2700 Nebraska Avenue Unit 2-203, Palm Harbor
2199 Chianti Place Unit 9-0924, Palm Harbor
$325,000
3 Beds ⋅ 2 Baths ⋅ Tuscany At Innisbrook Condo SubDv. ⋅ 34683 Zip Code
This is the Tuscany condo buyers wait for! Beautifully updated, light-filled and ideally positioned within the gated community of Tuscany at Innisbrook, this fully updated, 3-bedroom, corner unit offers a private 1-car garage and an exceptional location just steps from the pool and clubhouse. Located on the second level, the condo features an open, spacious floor plan with an abundance of windows and natural light. The large living and dining area flows into a versatile bonus space—perfect for a home office, fitness area, reading room or quiet retreat. The kitchen opens to the main living area and features granite countertops, wood cabinetry, stainless steel appliances, a center island with breakfast bar and a built-in desk. Since 2021, the interior has been extensively refreshed with all-new luxury vinyl plank flooring, fresh interior paint and beautifully remodeled bathrooms. An inside laundry room with washer and dryer adds everyday convenience. Tuscany at Innisbrook offers a resort-style lifestyle with amenities that are hard to match, including two heated pools, spa, impressive clubhouse, fitness center, billiards and entertainment areas, tennis and basketball courts, playground, BBQ areas, pet walk and convenient car wash bays. The community is pet-friendly, making it an excellent choice for both full-time and seasonal living. And the location is exceptional. Set within the Innisbrook area and surrounded by championship golf, including the renowned Copperhead Course—home of the PGA TOUR's Valspar Championship—you are just minutes from some of Florida's award-winning Gulf beaches, outstanding restaurants, shopping, medical facilities and everyday conveniences, with easy access to both Tampa International and St. Pete-Clearwater International airports. Water views. Corner unit. Private garage. Beautifully updated interior. Resort-style amenities. Gated community. This is an outstanding opportunity to enjoy the Palm Harbor lifestyle in one of the area's most desirable communities.

2199 Chianti Place Unit 9-0924, Palm Harbor
3030 Cypress Green Drive, Palm Harbor
$339,000
3 Beds ⋅ 2 Baths ⋅ Cypress Green SubDv. ⋅ 34684 Zip Code
Welcome to an affordable opportunity to own in the desirable Palm Harbor community of Rustic Oaks! This move-in ready home offers an excellent entry point into one of the area's sought-after neighborhoods, providing the opportunity to enjoy the Palm Harbor lifestyle without the premium price tag. The home is ready for its next owner and offers a comfortable, functional layout with the flexibility to make it your own over time. Whether you're a first-time buyer, looking to downsize, or searching for an investment opportunity, this property is worth a look. Conveniently located in Palm Harbor with easy access to shopping, dining, parks, schools, and major roadways, you'll be close to everything the area has to offer. Best of all, the property is FHA and VA financing eligible, making this an especially attractive opportunity for qualified buyers. Don't miss your chance to get into Palm Harbor and Rustic Oaks at an accessible price point!

3030 Cypress Green Drive, Palm Harbor
402 Orchid Lane, Palm Harbor
$389,900
3 Beds ⋅ 2 Baths ⋅ Kramer F A Sub SubDv. ⋅ 34683 Zip Code
Do you want to live in Ozona but can't find the right home? This is your chance to create the home and lifestyle you’ve been looking for in one of Palm Harbor’s most loved and desired Coastal Communities! Build up two or three stories and take advantage of the breathtaking views of the Gulf! Location is everything here. You’re just steps from water access with a kayak and paddle board launch and right around the corner from all things Ozona! Walk, bike or take the golf cart to Ozona Pig, Molly Goodhead’s, Ozona Blue, Ozona Brewing Company, Ozona Pizza and other local favorites. Spend your days kayaking, boating and cruising around by golf cart or catching one of Ozona’s year-round community events. This little pocket of Palm Harbor has a personality all its very own ~ Laid-back, Coastal Community where flip flops are required and a town full of Old Florida Charm. Golf carts, local restaurants, marinas, water access and Amazing Gulf Sunsets are simply part of everyday life here. Instead of settling for a home that isn’t quite right, start fresh and build exactly what you want, right where you want to be. Your future home that could have Gulf views ~ All starting at under $390,000! Don't miss your chance to build your Dream Home in Ozona and start creating your own Ozona Lifestyle Today ~ You will be so Happy you did!

402 Orchid Lane, Palm Harbor
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