4031 BLUFF OAK COURT, PALM HARBOR, FL, 34684
Active18 days on marketListed Oct 1, 2026MLS #TB8554154
About this home
4031 BLUFF OAK COURT
RARE 3-BEDROOM CORNER-END VILLA | LOW $450 MONTHLY MAINTENANCE | NO FLOOD INSURANCE REQUIRED! Welcome to this beautifully maintained and rarely available 3-bedroom, 2-bath corner/end-unit villa in the highly desirable Strathmore Gates community! Offering nearly 1,300 square feet of comfortable living space, this villa delivers the space and privacy of a single-family home without the exterior maintenance. Mrs. Clean lives here! Pride of ownership shines throughout, with thoughtful updates and meticulous care at every turn. Step inside through the huge foyer entrance and discover a bright, welcoming interior featuring fresh NEW interior paint, plush NEW bedroom carpeting, upgraded solid wood interior doors, crown molding, NEW overhead and spotlighting, and three NEW ceiling fans & Updated second bath. The spacious living room features beautiful hardwood flooring, while tile flooring adds durability and style throughout other areas. Plenty of storage available, pantry , 2 walk in closets and outdoor storage closet. The Craft-Maid Wood kitchen cabinetry is complemented by Corian countertops and a practical layout perfect for everyday living and entertaining. All appliances are in excellent working order, and the convenience of an in-home washer and dryer makes daily life easy. The oversized primary suite offers plenty of room to relax, 2 closets - one is large walk in, a private ensuite bath, and sliders leading directly to the home's spectacular vinyl-enclosed rear patio. This peaceful private retreat overlooks a beautiful wooded backdrop, where you can enjoy your morning coffee while deer and birds make regular appearances. There's also a front open patio with sliding doors, giving you even more opportunities to enjoy Florida's outdoor lifestyle. 3rd bedroom has custom french style door and large walk in closet can be a great office as well. Roof 2023 and A/C in 2013. The home also offers ample parking directly in front and sits in a quiet cul-de-sac location. And then there's the community! Strathmore Gates is super pet-friendly, allowing up to 2 dogs with NO weight limit, plus residents enjoy a community pool, tennis courts and pickleball. Monthly maintenance is only $450, and NO FLOOD INSURANCE is required! The location is hard to beat — just minutes from Publix, shopping, restaurants, schools and everyday conveniences. If you've been searching for a spacious 3-bedroom home with privacy, updates, outdoor living and resort-style amenities — without the hassle of maintaining a single-family home — this rare corner villa deserves to be at the top of your list!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,298
Sqft
0.07 ac
Lot size
1984
Year built
One
Levels
$223
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.
$2,797 /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
$2,797/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
+15.8%
$/sqft vs Palm Harbor actives
$223 vs $265
Days on market
18 vs 68 typical
Where $223/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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
233 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 16% 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 4031 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 · Dec ’25$242,000
4031 BLUFF OAK COURT · same community
3 bd · 2 ba · 1,304 sqft · $186/sqft · 55 DOM
Sold · Mar ’26$222,000
4024 CORKWOOD COURT · same community
2 bd · 2 ba · 1,120 sqft · $198/sqft · 171 DOM
Sold · May ’26$380,000
2862 WHITEHALL DRIVE
3 bd · 2 ba · 1,300 sqft · $292/sqft · 1 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4031 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 4031 BLUFF OAK COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4031 BLUFF OAK COURT FAQs
What would the monthly payment be for 4031 BLUFF OAK COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,797/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 4031 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 4031 BLUFF OAK COURT?+
The most recent tax bill on record (2025) was $4,289. 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 4031 BLUFF OAK COURT?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $289,000, this home is listed about 26% below the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4031 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.
The brief
Three things that matter here
01Positioned at the premium end
$289,000 runs 16% above the PALM HARBOR 34684 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Highland Lakes Elementary School, Joseph L. Carwise Middle School, East Lake High School — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RMS ELITE PROPERTIES · Nicole Smith. MLS #TB8554154.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 4031 BLUFF OAK COURT but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Gianfranco to ping you on any price or status change →