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 landscapes, friendly community, and vibrant lifestyle, Palm Harbor offers an idyllic setting for families, retirees, and everyone in between. With its beautiful parks, top-rated schools, and proximity to the sparkling Gulf of Mexico, it’s no wonder that this charming city has become a sought-after destination for homebuyers.

One of the most appealing aspects of Palm Harbor is its diverse range of homes available, especially for those seeking properties under $400,000. Whether you're a first-time homebuyer or looking to downsize, you’ll find a variety of options that suit your needs and budget. From cozy single-family homes to modern townhouses, the real estate market in Palm Harbor is brimming with potential. Many of these homes feature spacious layouts, updated amenities, and serene outdoor spaces perfect for enjoying the beautiful Florida weather.

In addition to affordable housing, Palm Harbor boasts an array of recreational activities and amenities. Enjoy leisurely strolls along the picturesque waterfront, indulge in delicious dining options, or explore the local shops and markets. The community hosts numerous events throughout the year, fostering a sense of belonging and connection among residents.

With its welcoming atmosphere and attractive real estate opportunities, Palm Harbor is the perfect place to call home. Discover your dream property today and experience the charm of this delightful Florida city!

Newest Palm Harbor Homes under $400,000

no property photo
$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
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, an updated interior and two assigned parking spaces highlight this two-bedroom, two-bath condo in The Landings of Highland Lakes. Located on the second floor with no upstairs neighbors, the living and dining area features beautiful wood-look flooring, decorative wainscoting, crown molding and updated lighting. Sliding doors open to a screened lanai overlooking the pond, with a separate storage closet. The updated kitchen includes shaker cabinetry, a tile backsplash, newer stainless steel appliances, a breakfast nook and a pass-through to the dining area. The primary suite offers pond views, direct lanai access, a walk-in closet and an updated en-suite bath with a walk-in shower. The second bedroom is near the updated guest bath with a tub/shower combination. An indoor laundry closet includes a newer washer and dryer and shelving for storage. Parking includes one assigned covered carport space, plus an additional unassigned space in the visitor parking area. The Landings’ community pool is just steps away. Highland Lakes amenities available to eligible residents include golf on three private nine-hole executive courses, swimming pools, clubhouse gatherings and social events, arts and crafts activities, and a Lake Tarpon boat ramp. 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
2994 Bonaventure Circle Unit 204, Palm Harbor
$220,000
2 Beds ⋅ 2 Baths ⋅ Bonaventure Condo SubDv. ⋅ 34684 Zip Code
Stunning Upgraded End-Unit Condo overlooking the pool in this Prime Palm Harbor Location! With a bran new AC system and upgraded granit countertops. Just minutes from Mease Countryside Hospital, Countryside Mall, and the pristine shores of Honeymoon Island. Tucked away in a peaceful community, this unique home offers privacy, comfort, and high-end upgrades throughout. Step inside to discover a one-of-akind floor plan featuring soaring cathedral ceilings and a cozy fireplace, creating a spacious yet inviting atmosphere. As an end unit backed up to a serene preserve, The home boasts premium Anderson windows with a lifetime warranty, ensuring energy efficiency and lasting value. The entry is graced by a Forever storm door, adding both security and curb appeal. The master bathroom has been fully renovated, showcasing modern finishes and thoughtful design. Whether you're relaxing indoors or taking in the nature views from your back patio, this home offers the perfect blend of luxury and tranquility. Community amenities include an olympic sized swimming pool, heated spa hot tub, clubhouse, fullyequipped gym, sauna room, plus a dog park for your furry friends!

2994 Bonaventure Circle Unit 204, Palm Harbor
179 Sunshine Dr, Palm Harbor
$400,000
2 Beds ⋅ 2 Baths ⋅ Sunshine Estates SubDv. ⋅ 34684 Zip Code
WELCOME HOME TO SUNSHINE ESTATES.... This WELL MAINTAINED AND MOVE-IN READY 2-bedroom, 2-bath home offers 1,482 square feet of living space PLUS an enclosed 209 square foot Florida room, giving you far more flexibility than the typical 2-bedroom floor plan.... Separate living and family rooms, a dining area and a split-bedroom design create comfortable spaces for everyday living, entertaining or simply spreading out.... At the center of the home, the kitchen features stone countertops, stainless steel appliances approximately four years old, a breakfast bar and an easy connection to the family room.... PLANTATION SHUTTERS throughout the main living areas add a polished custom touch, while UPDATED WINDOWS allow plenty of natural light to fill the home.... The generously sized primary suite measures approximately 19' x 13' and includes a walk-in closet, an additional reach-in closet and private bath.... The second bedroom and full guest bath with double-sink vanity are positioned on the opposite side of the home, offering separation and privacy for guests, family or a home office.... One of the home's most versatile spaces is the enclosed Florida room, surrounded by vinyl windows and offering approximately 209 additional square feet for relaxing, hobbies, morning coffee or simply enjoying the backyard.... Raise the vinyl windows to create more of a three-season room feel, or remove them completely when you want the fully screened-in experience and maximum airflow.... Outside, mature landscaping and a nicely sized yard offer room to enjoy without becoming a full-time maintenance project.... The irrigation system is supplied by a private well with a NEW PUMP.... The oversized 2-car garage provides approximately 485 square feet with room for vehicles, storage and laundry.... HVAC 2013 and Water Heater 2018.... And the location checks some VERY important boxes.... FEMA FLOOD ZONE X, where lenders typically do not require flood insurance.... NO HOA.... ZONED FOR HIGHLY SOUGHT-AFTER PALM HARBOR UNIVERSITY HIGH SCHOOL.... All while being convenient to shopping, restaurants, parks, golf, Honeymoon Island and the downtown areas of Palm Harbor, Tarpon Springs, Ozona and Dunedin.... It's a location that puts so much of what makes northern Pinellas County desirable within easy reach.... If you have been waiting for a Palm Harbor home that gives you MORE SPACE, MORE FLEXIBILITY and MORE VALUE than the typical 2-bedroom option, this may be the one.... COME SEE 179 SUNSHINE DRIVE AND DECIDE FOR YOURSELF.

179 Sunshine Dr, Palm Harbor
3490 Tealwood Circle, Palm Harbor
$340,000
2 Beds ⋅ 2 Baths ⋅ Tealwood Villas SubDv. ⋅ 34685 Zip Code
MOVE IN READY, UPDATED AND TUCKED INSIDE THE GATED TEALWOOD VILLAS COMMUNITY OF RIDGEMOOR. Welcome to 3490 Tealwood Circle, a beautifully updated 2 bedroom, 2 bathroom villa with a 1 car garage, spacious open living areas and peaceful conservation views. This home has been thoughtfully improved for today’s buyer, allowing you to move in without immediately facing a long list of projects. The interior has been freshly painted, popcorn ceilings have been removed throughout, and luxury vinyl flooring extends through the living room, dining area, bedrooms and laundry room. Updated baseboards, lighting, ceiling fans, blinds and recessed lighting give the home a clean, modern feel. The kitchen combines functionality with convenience and features a newer refrigerator, dishwasher, disposal and kitchen sink, along with a touch activated faucet and recessed lighting. Smart home features include a Honeywell smart thermostat, select smart switches, a MyQ smart garage system and security cameras at the front and rear of the home. Both bathrooms have received significant updates. The primary bathroom was completely remodeled and includes a frameless shower door, while the guest bathroom features an updated vanity, lighting and stone countertop. The primary suite also includes an organized walk in closet system for added storage and functionality. One of the standout features of this home is the relaxing view behind the property. The main living area opens toward the screened outdoor space and conservation area, creating a peaceful setting without another home directly behind you. Whats More? As you sit on your enclosed rear patio you can enjoy all the beautiful views of nature - birds, deer, peacock, turkeys and more! What a way to enjoy Florida living and outdoor entertaining. Additional improvements include a 2024 water heater, newer washer and dryer and updated fixtures. Tealwood Villas offers the benefits of gated, low maintenance living within the Ridgemoor community. Residents enjoy access to community amenities including a pool, tennis courts, walking and biking areas, playgrounds and green spaces. The community is conveniently located near parks, recreation, shopping, dining and many of the destinations that make the Palm Harbor and East Lake area so desirable. If you have been looking for a Palm Harbor villa that combines updated interiors, smart home conveniences, outdoor living, community amenities and a peaceful setting, 3490 Tealwood Circle deserves a look.

3490 Tealwood Circle, Palm Harbor
4805 Alt 19 Unit 422, Palm Harbor
$113,000
1 Beds ⋅ 1 Baths ⋅ Cove Spgs Condo SubDv. ⋅ 34683 Zip Code
Move right into this beautifully renovated and spacious 1-bedroom, 1-bathroom second-floor condo in Cove Springs, a unique waterfront community nestled at the end of a spring-fed canal. Nearly every major component has been thoughtfully updated, including the beautifully remodeled kitchen featuring granite countertops, stainless steel appliances, and wood cabinetry; a renovated bathroom; and all-new hurricane-rated windows. The spacious bedroom offers a walk-in closet, while the bright living area opens to a screened balcony overlooking mature trees, creating a peaceful and private setting to enjoy the Florida lifestyle. Cove Springs offers an array of amenities, including a screened community pool, kayak and canoe launch and storage with Gulf access, a gazebo picnic area, and a fishing pier. Conveniently located near the Pinellas Trail, Dunedin Causeway, Honeymoon Island, Sunset Beach, Wall Springs Park, Fred Howard Park, and the renowned Tarpon Springs Sponge Docks. Innisbrook Golf Resort is also just minutes away. For added convenience, public transportation is available directly across the street. This exceptional condo offers a wonderful combination of comfort, updates, waterfront amenities, and an ideal location for enjoying all that the Florida Gulf Coast.

4805 Alt 19 Unit 422, Palm Harbor
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