4045 BLUFF OAK COURT, PALM HARBOR, FL, 34684
Active5 days on marketListed Jul 31, 2026MLS #TB8533355
About this home
4045 BLUFF OAK COURT
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!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,120
Sqft
0.06 ac
Lot size
1984
Year built
One
Levels
$229
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.
$2,561 /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
$2,561/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
−11.3%
$/sqft vs Palm Harbor actives
$229 vs $265
Days on market
5 vs 48 typical
Where $229/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 Strathmore Gate East
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Strathmore Gate East — neighborhood snapshot
Population
611
Median age
47
Median income
$80,802
Median home value
$284,813
Avg household
2
Households w/ children
55%
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)
215 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 2% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 4045 BLUFF OAK COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$222,000
4024 CORKWOOD COURT · same community
2 bd · 2 ba · 1,120 sqft · $198/sqft · 171 DOM
Sold · Dec ’25$242,000
4031 BLUFF OAK COURT · same community
3 bd · 2 ba · 1,304 sqft · $186/sqft · 55 DOM
Sold · Apr ’26$188,000
105 PINEBARK DRIVE
2 bd · 2 ba · 1,116 sqft · $168/sqft · 34 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4045 BLUFF OAK COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4045 BLUFF OAK COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4045 BLUFF OAK COURT FAQs
What would the monthly payment be for 4045 BLUFF OAK COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,561/mo — principal and interest, the actual property-tax bill, the $450/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 4045 BLUFF OAK COURT?+
The association fee works out to $450 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4045 BLUFF OAK COURT?+
The most recent tax bill on record (2025) was $3,968. 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 4045 BLUFF OAK COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $256,000, this home is listed about 33% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4045 BLUFF OAK COURT?+
Highland Lakes Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Tracey Holmquist. MLS #TB8533355.
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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