Palm Harbor Homes under $400,000

Palm Harbor Homes under $400,000

Welcome to Palm Harbor, Florida – a charming coastal gem nestled in the heart of Pinellas County! Known for its picturesque landscapes and vibrant community, Palm Harbor offers a perfect blend of small-town charm and modern conveniences. With its lush greenery, scenic parks, and proximity to the stunning Gulf of Mexico, residents enjoy an enviable lifestyle that emphasizes outdoor activities, relaxation, and a strong sense of community.

For homebuyers seeking affordability without compromising on quality, Palm Harbor presents a fantastic opportunity with homes priced under $400,000. This thriving area boasts a variety of housing options, from cozy single-family homes to spacious townhouses, catering to diverse tastes and lifestyles. Whether you’re a first-time buyer, a growing family, or looking to downsize, Palm Harbor’s real estate market has something for everyone.

Imagine waking up to warm Florida sunshine, enjoying a morning stroll along the picturesque waterfront, or indulging in the vibrant local dining scene. With top-rated schools, convenient shopping, and a plethora of recreational activities, Palm Harbor is an ideal place to call home. Plus, its strategic location offers easy access to nearby attractions like Clearwater Beach, Tarpon Springs, and the bustling city of St. Petersburg.

Don’t miss your chance to explore the wonderful homes available in Palm Harbor under $400,000. Embrace the opportunity to live in a community that values both quality of life and affordability. Discover your dream home in this delightful Florida town today!

Newest Palm Harbor Homes under $400,000

2138 Chianti Place Unit 142, Palm Harbor
$284,900
2 Beds ⋅ 2 Baths ⋅ Tuscany At Innisbrook Condo SubDv. ⋅ 34683 Zip Code
MOVE-IN READY WITH SPECTACULAR POND-FRONT VIEWS AND BREATHTAKING SUNSETS IN THE HIGHLY DESIRABLE TUSCANY AT INNISBROOK! Perfectly positioned on one of the community's most desirable waterfront locations, this beautifully maintained 2-BEDROOM, 2-BATH RESIDENCE WITH AN ATTACHED 1-CAR GARAGE offers an exceptional combination of comfort, elegance, and resort-style living. Enjoy peaceful water views and stunning Florida sunsets from your PRIVATE SCREENED BALCONY, the perfect setting to relax and unwind. Step inside to an impressive OPEN-CONCEPT FLOOR PLAN featuring rich HICKORY HARDWOOD FLOORING, 9-FOOT CEILINGS, AND EXTENSIVE CROWN MOLDING throughout. The spacious living and dining areas flow seamlessly to the screened balcony, creating an inviting space for everyday living and entertaining. The well-appointed kitchen features STAINLESS STEEL APPLIANCES, CENTER ISLAND, BREAKFAST BAR, PANTRY, AND ABUNDANT CABINETRY. YOUR PRIVATE RETREAT AWAITS! The spacious primary suite showcases tranquil pond views, beautiful wood flooring, a large walk-in closet, and an en-suite bath with a garden tub/shower combination. The desirable SPLIT-BEDROOM FLOOR PLAN offers added privacy, with a generously sized second bedroom featuring wood flooring, crown molding, and its own walk-in closet. Enjoy the exceptional RESORT-STYLE AMENITIES OF TUSCANY AT INNISBROOK, including TWO HEATED POOLS, CLUBHOUSE, FITNESS CENTER, THEATER ROOM, BANQUET FACILITIES, TENNIS COURTS, BASKETBALL COURTS, PLAYGROUND, AND CAR WASH STATION. PRIME PALM HARBOR LOCATION! Just steps from the renowned Innisbrook Golf Resort, Pinellas Trail, charming downtown Palm Harbor, beautiful Gulf beaches, shopping, dining, and entertainment, with convenient access to Tampa International Airport. MOVE-IN READY, EXCEPTIONAL WATERFRONT SETTING, AND RESORT-STYLE LIVING! Whether you're searching for a primary residence or a Florida getaway, this home checks all the boxes. DON'T MISS THIS OPPORTUNITY TO OWN ONE OF TUSCANY'S PREMIER POND-FRONT RESIDENCES!

2138 Chianti Place Unit 142, Palm Harbor
20 Mountain Laurel Drive, Palm Harbor
$249,000
2 Beds ⋅ 2 Baths ⋅ Blue Jay Mobile Home Estates Condo SubDv. ⋅ 34684 Zip Code
This very nice home has so many beautiful features you will want to check out. The home has a large great room where the dining area is complete with a large cabinet and windows overlooking a beautiful pond. The roof is new along with all the windows which are hurricane rated. The kitchen has been totally remodeled with all new cabinets along with a nice cooking island. The newer gray laminate flooring is a great improvement. The two bathrooms were gutted down to the studs and each have very nice new fixtures and large showers. This home has a nice backyard since this home is complete with the lot it sets on. There are two sheds...one for the washer and dryer and storage and the other for storing tools. The front porch also has the new windows and is heated and cooled with the AC system providing a total of 1081 square feret of living space. This very nice 55+ community also has a nice clubhouse, shuffleboard area and beautiful pool. The roof is new and the exterior has been painted along with the shutters. This really is a move in ready beautiful home in this very nice 55+ community....close to great restaurants, the beach and so much more!

20 Mountain Laurel Drive, Palm Harbor
2171 Portofino Place Unit 27-28, Palm Harbor
$282,900
2 Beds ⋅ 2 Baths ⋅ Tuscany At Innisbrook Condo SubDv. ⋅ 34683 Zip Code
Welcome to Tuscany at Innisbrook, a gated Palm Harbor community just minutes from Innisbrook Resort and its four championship golf courses, including the famed Copperhead Course, home of the PGA TOUR’s Valspar Championship. This updated 2BR/2BA condo offers 1,155 sq ft with an open floor plan, crown molding, walk-in closets, and abundant natural light. The remodeled kitchen features a quartz island, gorgeous backsplash, beautiful cabinetry, and stainless steel appliances (2021), complemented by a new dry bar with quartz countertops. Baths feature modern vanity cabinetry ,newer lighting and fixtures were added throughout (except bedrooms). Additional updates include a water heater (2022), new AC coils (2022), and a replaced lanai screen. Washer and dryer convey. Relax on the screened lanai or enjoy the resort-style amenities: two heated pools, fitness center, tennis and basketball courts, theater room, billiards, game room, library, community room, playground, and car wash. Pet friendly (2 pets, 50 lbs combined) and rentals allowed with a 90-day minimum. Conveniently located near Gulf beaches, parks, shopping, dining, and Tampa and St. Pete airports.

2171 Portofino Place Unit 27-28, Palm Harbor
2383 Grove Valley Avenue, Palm Harbor
$400,000
3 Beds ⋅ 2 Baths ⋅ Beacon Groves SubDv. ⋅ 34683 Zip Code
WELCOME TO YOUR TROPICAL PARADISE at 2383 Grove Valley Ave, Palm Harbor, FL in the established Beacon Groves subdivision in Pinellas County. This FANTASTIC home consists of 3 bedrooms, 2 bathrooms & 2 car garage in a NO HOA, NO CDD, NO FLOOD ZONE. Key exterior features are BRAND NEW ROOF (10/2026), water heater (8/2019), carriage lights, rain gutters, concrete double driveway & walkway, private mailbox & front porch with pergola. As you step through the front door with semi-circular window, you'll LOVE the OPEN FLOOR PLAN consisting of the foyer with coat closet, kitchen, living & dining rooms. Laminate or tile floors elegantly dress up all the floors (NO CARPET ANYWHERE). The ENTIRE interior - all walls & ceilings - are FRESHLY PAINTED with washable & durable Sherwin Willliams paint (10/2026). Sunshine streams through the multiple windows illuminating the interior together with the updated light fixtures. The FOCAL POINT of the living room is the wood burning FIREPLACE with brick wall, wooden mantle & slate tile for the hearth. The WONDERFUL kitchen features updated appliances (stainless steel fridge, stainless steel smooth-top range & dishwasher), double sink, plentiful cabinets with bamboo-shaped hardware, stainless steel tile backsplash behind the range, laminate counters & breakfast bar. Create precious memories in the dining room or enjoy casual meals in the screened & covered lanai. The SPACIOUS primary bedroom can fit king-size furniture & has a ceiling fan, a wall of closets & en-suite bathroom. The private bathroom consists of a sunken tiled shower, corner shelving, mirrored medicine cabinet, newer toilet & vanity with storage & cultured marble counter. The 2nd bedroom, fitting king-size furniture, is located at the front of the house & features a walk-in closet & ceiling fan. The nearby 3rd bedroom has a walk-in closet & ceiling fan. The hall bathroom has a medicine cabinet, UPDATED vanity with cultured marble counter that looks like stone & tiled tub/shower combo with DUAL SHOWER HEADS, glass shelving & an artistic mosaic design strip. There is CONVENIENT linen closet in the hall for extra storage. The OVERSIZED 2-CAR GARAGE has epoxied concrete floor, side door exit, automatic door opener, newer garage door, attic access & a storage/workshop nook. The washer & dryer laundry machines located in the garage are included in the sale. More details to LOVE about the home: TALL ceilings that make the house feel LARGER & BRIGHTER, windows blinds that add privacy, multiple ceiling fans circulating cool air, FULLY FENCED YARD with vinyl privacy fencing, exterior lights & mature TROPICAL LANDSCAPING including tall palm trees & shrubs (landscaping all professionally trimmed & cleaned up 10/2026). Your STELLAR home is located close to restaurants, shopping, medical/professional offices, festivities, WORLD FAMOUS BEACHES & tourist attractions! MAKE THIS YOUR FUTURE HOME!

2383 Grove Valley Avenue, Palm Harbor
3755 Darston Street, Palm Harbor
$400,000
2 Beds ⋅ 2 Baths ⋅ Salem Square SubDv. ⋅ 34685 Zip Code
Welcome to Salem Village in the highly desirable Ridgemoor community of Palm Harbor! This spacious 2-bedroom, 2-bathroom home with a large dedicated office offers a comfortable, low-maintenance lifestyle in a beautiful setting. One of the home's unique features is its expansive front yard, a rare find within the neighborhood, providing an added sense of space and an inviting setting. Step inside to discover a desirable split floor plan, offering added privacy with bedrooms positioned on opposite sides of the home. The functional layout features vinyl flooring throughout the entryway, kitchen, dining, and bathrooms, along with newer appliances and plenty of space to relax or entertain. The generously sized office provides the perfect space for working from home, a hobby room, or additional flex space. Major updates include a NEW HVAC system (2025), water heater (2025), and tile roof (2014), offering added peace of mind. One of the home's standout features is the screened lanai overlooking the peaceful pond, where you can enjoy your morning coffee, unwind in the evenings, and take in the beautiful natural surroundings. Enjoy truly LOW-MAINTENANCE LIVING with an HOA that provides exceptional value, covering the tile roof, exterior maintenance, lawn care, cable, trash service, and access to the heated community pool! Residents of Salem Village also enjoy the wonderful amenities of Ridgemoor, including tennis courts, basketball courts, playgrounds, scenic walking areas, and abundant wildlife. LOCATION, LOCATION, LOCATION! Ideally situated along Palm Harbor's sought-after East Lake corridor, this home is just minutes from John Chesnut Sr. Park, Lake Tarpon, shopping, restaurants, and everyday conveniences. Plus, the beautiful beaches of Honeymoon Island and world-famous Clearwater Beach are just a short drive away. Whether you're looking for a full-time residence or a seasonal Florida retreat, this home offers the perfect combination of comfort, convenience, beautiful pond views, and carefree Florida living. Don't miss your opportunity to call Salem Village home!

3755 Darston Street, Palm Harbor
36750 Us Highway 19 N Unit 2372, Palm Harbor
$189,950
1 Beds ⋅ 1 Baths ⋅ Innisbrook SubDv. ⋅ 34683 Zip Code
EXCEPTIONAL LOCATION, THOUGHTFULLY MAINTAINED, AND OFFERED BY THE ORIGINAL FAMILY! Discover this charming second-floor, one-bedroom condominium featuring Innisbrook's desirable Floor Plan "B", ideally positioned just steps from the Island Clubhouse. This residence reflects true pride of ownership and offers an inviting combination of comfort, convenience, and the relaxed elegance of resort living. RECENT IMPROVEMENTS INCLUDE FRESH INTERIOR PAINT (2026) AND BEAUTIFUL LUXURY VINYL FLOORING (2026), ALONG WITH A NEWER WATER HEATER (2023)! The spacious living area offers a comfortable setting for relaxing or entertaining, while the generously sized bedroom easily accommodates a king-size bed. Enjoy the added convenience of patio access from both the living room and bedroom, creating a wonderful connection to the outdoors. Whether you're looking for a full-time residence, seasonal retreat, or effortless lock-and-leave Florida getaway, this condo offers an exceptional opportunity. EXPERIENCE THE INNISBROOK LIFESTYLE! Set among more than 900 acres of lush landscaping, rolling hills, and scenic lakes, Innisbrook is home to four championship golf courses, including the renowned Copperhead Course, host of the PGA TOUR's Valspar Championship. Optional club memberships are available for purchase, offering access to resort amenities including six swimming pools, the Salamander Spa, restaurants, Turnberry Pub, tennis courts, and recreational activities. A complimentary resort tram provides convenient transportation throughout the grounds. Rental program opportunities are also available, subject to applicable requirements and restrictions. AN OUTSTANDING PALM HARBOR LOCATION! Beyond the resort, enjoy easy access to charming Downtown Palm Harbor, the Pinellas Trail, historic Tarpon Springs, Downtown Dunedin, Honeymoon Island, and the beautiful Gulf beaches. Shopping, dining, and everyday conveniences are all nearby. ORIGINAL FAMILY OWNERSHIP, RECENT IMPROVEMENTS, AN EXCEPTIONAL RESORT LOCATION, AND THE BEAUTY OF INNISBROOK — THIS IS FLORIDA LIVING AT ITS FINEST! BE SURE TO VIEW THE SOCIAL MEDIA REEL!

36750 Us Highway 19 N Unit 2372, Palm Harbor
1480 Queen Anne Boulevard, Palm Harbor
$299,900
2 Beds ⋅ 2 Baths ⋅ SubDv. ⋅ 34684 Zip Code
Virtually Staged. Welcome to this charming, bright, move-in-ready Palm Harbor home featuring 2 bedrooms, 2 bathrooms, and a bonus room perfect for a home office. No HOA! All ages welcome! Featuring a remodeled kitchen, renovated bathrooms, and easy-care tile flooring throughout. A newer roof and newer HVAC system add peace of mind. Outside, enjoy a screened porch and a nicely sized, fenced backyard. The tropical landscaping includes two beautiful, mature queen palms. A single-car garage provides convenient parking and storage. Zoned for highly rated Palm Harbor University High School, Carwise Middle School, and Highland Lakes Elementary School. Conveniently located near US Highway 19, Mease Countryside Hospital, shopping, dining, and the beautiful Gulf beaches. Mortgage savings may be available for buyers of this listing.

1480 Queen Anne Boulevard, Palm Harbor
2815 Countrybrook Drive Unit 11, Palm Harbor
$265,000
2 Beds ⋅ 2 Baths ⋅ Countrybrook Condo SubDv. ⋅ 34684 Zip Code
Welcome to the highly sought-after Countrybrook Community! Step into a light and inviting open floor plan, featuring cathedral ceilings, a warm cozy wood burning fireplace, crown molding, granite countertops, and a primary bathroom with dual sinks. This rare single-story Villa is a corner end-unit, giving you privacy with no-one above and no attached side neighbors on one end. Abundant storage throughout adds to the appeal. Enjoy stress free living with an HOA package that includes almost everything except electricity. Includes cable, high-speed internet, water, sewer, trash, irrigation, exterior maintenance, and lawn care. The community pool is an approx. five-minute walk away. Complete with dedicated carport parking space, with convenient access to grocery shopping, restaurants, and nearby beaches. Schools are top rated and close by, Curlew Creek elementary 0.5 miles, Palm Harbor Middle School 2.3 miles and Countryside High 1.9 miles ****The seller will consider up to $5,000 toward the buyer’s allowable closing costs, prepaid expenses, or mortgage discount points. Concession amount and terms are negotiable. Move in ready – Schedule your showing today!

2815 Countrybrook Drive Unit 11, Palm Harbor
1622 Highland Club Lane, Palm Harbor
$319,000
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
RARE SUTTON PLACE MODEL—JUST 0.2 MILES FROM THE CLUBHOUSE! Skip the busy-road golf cart ride and enjoy being just steps from Highland Lakes’ clubhouse. JUST $164/MONTH HOA—YES, REALLY! This pet-friendly villa offers incredible value in one of Palm Harbor’s most sought-after 55+ communities. This beautifully maintained 2-bedroom, 2-bath villa features 1,100+ square feet, a screened-in front porch, an oversized garage with room for your car AND golf cart, and a tucked-away stone patio perfect for morning coffee or relaxing outdoors. Step inside to a welcoming foyer that opens to a spacious living room with a clear sightline to the rear sliding glass doors and peaceful, landscaped patio. The practical layout places both bedrooms and bathrooms on one side, with the kitchen, dining area, and garage access on the other. VALUABLE UPDATES & EVERYDAY SAVINGS: Roof and A/C approximately 6 years old; water heater approximately 3 years old; newer carpet; microwave and stove updated in 2023; and newer garage door opener. Owners report average summer electric bills of approximately $75. ONLY $164/MONTH HOA—AND PET-FRIENDLY! Enjoy Highland Lakes’ active lifestyle, including an executive 27-hole golf course, two pools, tennis, pickleball, fitness activities, clubs, arts and crafts, a lakeside lodge, captained pontoon outings on Lake Tarpon, a fishing dock, boat access, and RV/boat storage. HIGHER GROUND, ADDED PEACE OF MIND. Located on some of Pinellas County’s higher ground, this villa is outside a designated flood zone and hurricane evacuation zone—important considerations when choosing a Florida home near the coast. PALM HARBOR LIVING, WITH TAMPA BAY WITHIN REACH. Nearby shopping includes Publix, Walmart, Trader Joe’s, and Sprouts. Explore the restaurants, local boutiques, and live music of downtown Palm Harbor, Dunedin, and Tarpon Springs. Enjoy the Gulf beaches of Honeymoon Island, nature trails, wildlife, and spectacular sunsets. Tampa International Airport, downtown Tampa, and downtown St. Petersburg are generally about 30–40 minutes away, depending on traffic and destination. DON’T MISS THIS RARE HIGHLAND LAKES FIND! A desirable Sutton Place model, close to the clubhouse, pet-friendly, and just $164/month HOA—an exceptional combination of location, lifestyle, and value. SCHEDULE YOUR PRIVATE SHOWING TODAY!

1622 Highland Club Lane, Palm Harbor
3109 Mission Grove Drive Unit D, Palm Harbor
$109,900
2 Beds ⋅ 2 Baths ⋅ Highland Lakes Mission Grove Condo SubDv. ⋅ 34684 Zip Code
Virtually Staged. ENJOY UNLIMITED GOLF, TENNIS, RESORT-STYLE AMENITIES & CAREFREE LIVING IN THIS DESIRABLE 55+ COMMUNITY! Welcome to this bright and inviting 2-bedroom, 2-bath villa offering the perfect combination of comfort, convenience, and an active Florida lifestyle! Step inside to discover a spacious, open floor plan filled with natural light and easy-care tile flooring throughout. Relax and unwind in your enclosed lanai overlooking beautifully landscaped green space, the perfect spot for morning coffee or peaceful evenings. Enjoy lovely pond views from the front of the home and guest bedroom, adding to the serene setting. An assigned covered parking space under the carport and a private storage closet provide added convenience and extra room for bicycles, beach gear, golf clubs, and more! THE MASTER ASSOCIATION FEE INCLUDES UNLIMITED GOLF, tennis, TWO clubhouses, TWO swimming pools, shuffleboard, access to beautiful Lake Tarpon, and an incredible variety of planned social events, clubs, and activities! Whether you enjoy hitting the golf course, relaxing poolside, staying active, or making new friends, there's something for everyone in this vibrant community. Enjoy the benefits of low-maintenance living with endless opportunities for recreation and relaxation. Whether you're looking for a year-round residence or a seasonal Florida retreat, this charming villa offers the lifestyle you've been dreaming of. Come enjoy the Florida lifestyle where every day can feel like a vacation!

3109 Mission Grove Drive Unit D, Palm Harbor
2138 Chianti Place Unit 144, Palm Harbor
$214,990
1 Beds ⋅ 1 Baths ⋅ Tuscany At Innisbrook Condo SubDv. ⋅ 34683 Zip Code
Welcome to this inviting, well-maintained condo located in the desirable Tuscany at Innisbrook community in Palm Harbor! This private-entry, second-floor unit features an ATTACHED GARAGE and offers a comfortable, relaxing atmosphere perfect for enjoying the Florida lifestyle. Start your morning with a cup of coffee on the screened-in lanai, where peaceful pond views and natural surroundings create the perfect retreat. Inside, you’ll find a spacious living area featuring wood flooring and a well-appointed kitchen with a center island. The generously sized bedroom offers a private, relaxing space with a walk-in closet and convenient bathroom access. Enjoy an array of community amenities, including two swimming pools, a game room, a theater room, a fitness center, and tennis courts. Ideally situated near the Pinellas Trail, beautiful Gulf Coast beaches, shopping, dining, and the best of Tampa Bay, this condo is a wonderful opportunity to enjoy comfortable, low-maintenance living in a sought-after Palm Harbor community!

2138 Chianti Place Unit 144, Palm Harbor
185 Lake Tarpon Drive Unit 31, Palm Harbor
$195,000
2 Beds ⋅ 2 Baths ⋅ Lake Tarpon Mobile Home Village SubDv. ⋅ 34684 Zip Code
Own the land, not just the home. This Palm Harbor manufactured home sits on an individually owned lot in a golf cart-friendly 55+ community on Lake Tarpon, where the social calendar stays full, and the water is a short ride away. The big-ticket items are already handled. The roof is about three years old, the A/C system and ductwork are new, and the exterior has vinyl siding. Inside, a room addition opens off the living area, giving you extra space to spread out, host friends, or set up a hobby room. Start the day with coffee on the screened deck, then enjoy the landscaped back and side yards. Community amenities include a private boat dock and fishing pier on Lake Tarpon and a remodeled heated pool with a sundeck and covered seating. The clubhouse has a full kitchen, stage, sound system and screen, card room, library, and billiard room. Shuffleboard, bocce, horseshoes, a golf practice net, a picnic and grilling area, and space for pickleball round it out. Gulf beaches, golf courses, parks, dining, shopping, and two major airports are all within easy reach.

185 Lake Tarpon Drive Unit 31, Palm Harbor
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