Palm Harbor Homes under $400,000

Palm Harbor Homes under $400,000

Welcome to Palm Harbor, Florida, a charming gem nestled in the heart of Pinellas County! Known for its picturesque landscapes and friendly community, Palm Harbor offers a unique blend of suburban tranquility and vibrant coastal living. This delightful city is famous for its beautiful parks, stunning waterfront views, and a variety of recreational activities that cater to all ages. Whether you're exploring the scenic trails of the Pinellas Trail or indulging in the local dining scene, Palm Harbor has something for everyone.

For those seeking their dream home without breaking the bank, Palm Harbor boasts an impressive selection of homes priced under $400,000. This makes it an ideal destination for first-time homebuyers, families, and retirees alike. You can find charming single-family homes, cozy townhouses, and modern condos, all set against the backdrop of lush greenery and serene neighborhoods. With its affordable housing options, Palm Harbor provides a fantastic opportunity for buyers to invest in a vibrant community while enjoying the benefits of Florida living.

The city's excellent schools, friendly atmosphere, and proximity to beautiful Gulf Coast beaches make it an attractive choice for families and individuals alike. Plus, with easy access to major highways and nearby attractions, residents can enjoy the best of both worlds—peaceful suburban life and the excitement of nearby urban centers.

Discover the welcoming charm of Palm Harbor and explore the incredible homes available under $400,000. Your dream home awaits in this beautiful coastal paradise!

Newest Palm Harbor Homes under $400,000

36750 Us Highway 19 Unit 23308, Palm Harbor
$379,900
2 Beds ⋅ 2 Baths ⋅ Innisbrook 23 Condo SubDv. ⋅ 34684 Zip Code
Two Bedroom/Two Bath "C" Unit –Birds’ Eye views of the PGA's Valspar Championship Copperhead Golf Course, 2nd fairway, from the large tiled patio of this beautiful 2bed/2bath condominium. Turnkey ready to move in with a Queen size sleeper sofa in the living room, Queen bed in the quest room and two Queen beds in the primary bedroom. The primary bedroom, has been renovated to the 2019 Rental Pool hotel standards. Great opportunity for participation in the optional rental pool program with the primary bedroom already meeting standards. Or if your desire is to use as a 2nd home or personal residence, it offers privacy and quiet being on the top floor of a three-story lodge. The Fairway pools sits in front of your lodge. Several levels of club memberships are available for purchase to participate in the Innisbrook amenities. Innisbrook condo owners have the option to participate in the Resort’s optional Rental Pool program (condos in lodges 1-24 only). Situated on 800 wooded acres of rolling hills and 70 acres of lakes, Innisbrook, A Salamander Golf and Spa Resort is located just 25 minutes from Tampa International Airport. Innisbrook features sixty-three holes of golf, including the PGA’s Valspar Championship Copperhead course, 280spacious guest suites and rooms, 5 restaurants and 3 bars including the FAIRWAYS COFFEE AND WINE BAR featuring STARBUCKS coffee, 10 Har-Tru TENNIS courts, 4 Hard-court PICKLEBALL Courts, 3 Indoor RACQUETBALL courts, a full-service Salamander SPA with 12 treatment rooms and Fitness Center, 6 Swimming POOL Complexes, and 2 Conference halls.

36750 Us Highway 19 Unit 23308, Palm Harbor
36750 Us Highway 19 N Unit 13217, Palm Harbor
$269,000
1 Beds ⋅ 1 Baths ⋅ Innisbrook 13 Condo SubDv. ⋅ 34684 Zip Code
ONE BEDROOM "B" UNIT - THIS CONDO HAS IT ALL! Wide-open view of the PGA’S VALSPAR CHAMPIONSHIP COPPERHEAD GOLF #15 PAR 3 HOLE. PLUS, the central location allows you easy access to the Copperhead Clubhouse, Pool and Hot Tub or cross over to the Osprey Clubhouse and Market Grill with Lochness Pool complex just a few more steps away. The kitchen has raised panel cabinets with granite counter tops; the living area has painted walls and crown molding and the bath has beautifully tiled stall shower. You will also enjoy the pillow-top KING size bed in the primary bedroom. Relax on your 2nd floor patio and be entertained by the golfers playing through. Live the Resort Life now!!! Several levels of club memberships are available for purchase to participate in the Innisbrook amenities. Innisbrook condo owners have the option to participate in the Resort’s optional Rental Pool program (condos in lodges 1-24 only). Situated on 800 wooded acres of rolling hills and 70 acres of lakes, Innisbrook, A Salamander Golf and Spa Resort is located just 25 minutes from Tampa International Airport. Innisbrook features sixty-three holes of golf, including the PGA’s Valspar Championship Copperhead course, 280spacious guest suites and rooms, 5 restaurants and 3 bars including the FAIRWAYS COFFEE AND WINE BAR featuring STARBUCKS coffee, 10 Har-Tru TENNIS courts, 4 Hard-court PICKLEBALL Courts, 3 Indoor RACQUETBALL courts, a full-service Salamander SPA with 12 treatment rooms and Fitness Center, 6 Swimming POOL Complexes, and 2 Conference halls.

36750 Us Highway 19 N Unit 13217, Palm Harbor
3399 Mermoor Drive Unit 210, Palm Harbor
$139,900
2 Beds ⋅ 1 Baths ⋅ Farrell Park Condo SubDv. ⋅ 34685 Zip Code
Virtually staged. Welcome to 3399 Mermoor Drive #210 in the beautiful Ridgemoor community in the desirable East Lake area of Palm Harbor! Nestled in a peaceful, park-like setting, this well-maintained condo offers 2 bedrooms, 1 bathroom, and a spacious, private screened-in balcony overlooking the beautifully landscaped courtyard—perfect for enjoying your morning coffee or relaxing in the evening. The kitchen overlooks the living area, creating an open, comfortable feel. The stackable washer and dryer were replaced in 2025, and the water heater was replaced in 2024. A storage unit is conveniently located next to the covered parking space. This pet-friendly community allows one pet under 25 lbs. Amenities include a heated, screened-in pool with covered seating and restrooms, a gated entrance, and a car wash station. The Ridgemoor master association also offers tennis and basketball courts, a playground, and scenic walking and biking trails. Monthly condo fees include water, sewer, trash, basic cable TV, pool maintenance, building insurance, grounds maintenance, reserves, gated security, and recreational facilities. The roof was replaced in 2021 for added peace of mind. Enjoy a convenient location just minutes from the YMCA, Lansbrook Golf Club, and John Chestnut Park on Lake Tarpon, as well as top-rated schools, shopping, and dining. This condo offers a wonderful combination of comfort, convenience, and an active lifestyle. Schedule your showing today!

3399 Mermoor Drive Unit 210, Palm Harbor
85 Yawl Lane Unit 85, Palm Harbor
$50,000
2 Beds ⋅ 1 Baths ⋅ Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code
A NEW BEGINNING awaits at 85 Yawl Lane 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.**

85 Yawl Lane Unit 85, Palm Harbor
3389 Crystal Court E Unit D, Palm Harbor
$200,000
2 Beds ⋅ 1 Baths ⋅ Crystal Lake Condo SubDv. ⋅ 34685 Zip Code
You will feel at home from the moment you enter the community. The 1st floor 2 bedroom/1 bath has been tastefully updated throughout. The flooring was updated late 2024 with water proof wood-like vinyl planks which run through the main living area and kitchen. Kitchen has newer granite counter tops,subway tile backsplash and stainless steel appliances including a brand new dishwasher that was put in a few weeks ago and a new microwave that is just a few months old. There is an indoor walk-in laundry closet with a new (2026) full size washer along with a dryer and a pantry shelf's. Both bedrooms are spacious and each have their own walk in closet for plenty of storage. The bathroom has newer tile flooring and a tub/shower combo. This unit also offers a private screened lanai that has been updated with pavers. Screened lanai also offers a personal storage closet. The AC is 2022 and hot water heater 2020. Water, Sewer and Trash are included in monthly HOA dues. Crystal Lake is an all age community and walking distance to East Lake YMCA which has pickle ball, tennis, heated pool with lap lanes, exercise classes and a big exercise room with weights, tread mill, and much much more.Crystal Lake is also right here. Great for walking around for exercise or just walking to see and meet the neighbors exercising there dogs or just sitting on a bench and watching the different Florida birds. John Chestnut park is only 6 miles away. East Lake Publix is 0.4 miles away and there a few restaurants in that same shopping center. This is a must see condo so make an appointment today:)

3389 Crystal Court E Unit D, Palm Harbor
3205 Fox Chase Circle N Unit 101, Palm Harbor
$149,900
2 Beds ⋅ 2 Baths ⋅ Fox Chase West Condo SubDv. ⋅ 34683 Zip Code
Conveniently tucked away near the Innisbrook Golf Resort, this affordable 2-bedroom condo is on the ground floor and ready for its new owner! Fox Chase is a quaint community, with beautiful, mature landscaping, and plentiful amenities that include a heated pool, clubhouse, fitness room, tennis courts, shuffleboard, park, and playground. The fantastic Palm Harbor location is zoned for great schools and offers an easy commute to a plethora of restaurants, shopping and entertainment venues, and beautiful, local beaches. This property is eligible for Freddie Mac First Look Initiative through 11/09/26.

3205 Fox Chase Circle N Unit 101, Palm Harbor
2279 Portofino Place Unit 20-2024, Palm Harbor
$289,900
2 Beds ⋅ 2 Baths ⋅ Tuscany At Innisbrook Condo SubDv. ⋅ 34683 Zip Code
Beautifully Updated 2-Bedroom, 2-Bath Condo in Tuscany at Innisbrook! Welcome home to this completely updated 2-bedroom, 2-bath residence in the gated community of Tuscany at Innisbrook. Offering modern finishes, thoughtful upgrades, and an impressive array of resort-style amenities, this home is the perfect blend of comfort, convenience, and Florida living. Luxury vinyl flooring flows throughout the home, creating a stylish, cohesive look that is both beautiful and easy to maintain. The updated kitchen features quartz countertops and stainless-steel appliances, with the kitchen renovation completed in 2024. Both bathrooms were tastefully updated in 2022, providing a fresh, modern feel. Numerous major updates offer peace of mind, including a new water heater in 2024, hurricane impact windows installed in 2025, and a new A/C system in 2026. With all of the big-ticket improvements already completed, this home is truly move-in ready. Tuscany at Innisbrook offers a wonderful lifestyle with amenities for both relaxation and recreation, including two pools, a clubhouse, fitness center, game room, pickleball courts, and a convenient community car wash area. The community also offers guest suites available for rent, providing a comfortable and convenient option when family and friends come to visit. Location is another highlight, with close proximity to beautiful Gulf beaches, restaurants, downtown Palm Harbor, Dunedin, Safety Harbor and historic Tarpon Springs. Enjoy easy access to local dining, shopping, entertainment, outdoor recreation, and all that the surrounding area has to offer. Updated, well-maintained, and ideally located, this Tuscany at Innisbrook condo offers the opportunity to enjoy a relaxed Florida lifestyle in a beautiful gated community. Come see all that this exceptional home has to offer! Do not miss this opportunity. Make an appointment today. All information and measurements deemed reliable, buyer & buyer’s agent to verify

2279 Portofino Place Unit 20-2024, Palm Harbor
978 Madrid Drive, Palm Harbor
$339,950
2 Beds ⋅ 2 Baths ⋅ Highland Lakes Unit Nineteen Phase 2 SubDv. ⋅ 34684 Zip Code
Meticulously maintained Mediterranean style 2 bedroom 2 bath villa with a tile roof, a one car garage, and located on the golf path and adjacent golf tee; a covered open 12 foot breezeway from the pedestrian garage door to front screened porch and into villa front door; extra patio/outside area in front of the garage off breezeway and a generous area in the rear of the villa to enlarge a more spacious patio area. This light, bright and open split bedroom floor plan features separate dining and living rooms, fully equipped updated kitchen with cream cabinets and matching flat surface stove/range, built-in microwave, top freezer and bottom refrigerator, dishwasher and disposal. Speckled cream, taupe and grey corian kitchen counter tops with integrated oversized double sinks. Small eat in kitchen area and small closet pantry. Kitchen has opening to living room and dining rooms on opposite ends of the kitchen. Extra bonus area at the end/rear of the living room that could be utilized as an office. Living room has dry bar with lower cabinet and mirrored shelving from the cabinet top to ceiling; small coat closet just off the living room in hallway. Built in storage cabinet behind pony wall at the far end kitchen/living room opening adjacent to laundry closet for extra storage; rear pedestrian door off bonus area to the backyard patio on the golf path and golf course. Primary bedroom is 14x12 with en-suite featuring double vanity and double sinks plus drawers together with tiled walk-in shower and large walk-in closet with shelving. Second bedroom off front hallway is 12x10 with large walk-in closet; adjacent bath with tiled taupe tub/shower combination and single vanity. Highland Lakes Master Association includes Highland Lakes Clubhouse, Arts and Crafts Annex Building, Highland Lakes Golf Club Building, Clubhouse Pavilion, Cabana Building and The Lake Tarpon Lodge. There are 4 regulation tennis courts with night lighting, a 125,000 gallon Olympic sized pool with heated whirlpool spa; 45,000 gallon pool at the Lake Tarpon Lodge, 8 shuffleboard courts, 2 pontoon touring boats and the boat dock at Lake Tarpon Lodge, 3 nine-hole executive golf courses and bocce ball court. The clubhouse and annex building have card rooms and meeting rooms, arts and crafts studios including a woodworking shop, ceramic studio and sewing studio. You can be as busy or as bored as you desire! There is something for everyone in the active adult 55 plus community at Highland Lakes. The community website is noted below to view all events and facilities. All room sizes are deemed to be approximate. The exterior photos were taken just moments before the torrential rain clouds opened up/our inclement daily weather has delayed the delivery of the interior photos for approximately a week. Call for your private viewing today!

978 Madrid Drive, Palm Harbor
1801 E Lake Road Unit 1D, Palm Harbor
$299,999
3 Beds ⋅ 2 Baths ⋅ El Pasado A Condo SubDv. ⋅ 34685 Zip Code
Welcome to this spacious 3-bedroom, 2-bathroom, 1,520-square-foot first-floor condo in the highly sought-after El Pasado community, conveniently located directly across from John Chesnut Park. Step inside to discover a bright and inviting floor plan featuring porcelain tile flooring throughout the main living areas and wood-look tile in the two guest bedrooms. The beautifully updated kitchen offers granite countertops, stainless steel appliances, a convenient breakfast bar, an eat-in breakfast nook, and a reverse osmosis water filtration system. Both bathrooms have been tastefully updated with granite countertops and walk-in showers. Additional features include hurricane-rated windows in the bedrooms and a Pelican whole-house water softener and filtration system. The spacious Florida Room provides the perfect place to relax and enjoy the peaceful views of the surrounding trees and natural landscape. A large storage closet in the Florida Room offers plenty of additional storage, while the separate interior laundry room adds everyday convenience. You'll also appreciate the assigned covered carport parking space directly in front of the unit, along with ample guest parking. Residents of El Pasado enjoy a heated swimming pool, BBQ area, and convenient car wash station. The monthly condo fee includes cable TV, internet, exterior maintenance, roof maintenance, water, sewer, and trash service. LOCATION, LOCATION, LOCATION! Just across the street, John Chesnut Park offers scenic walking trails surrounded by nature, abundant wildlife, and breathtaking sunsets over Lake Tarpon. You'll also enjoy convenient access to the YMCA, beautiful Gulf beaches, public golf courses, shopping, and dining. Whether you're searching for a full-time residence or a seasonal Florida retreat, this beautifully maintained condo offers the perfect combination of comfort, convenience, and natural beauty. Schedule your private showing today and discover the El Pasado lifestyle!

1801 E Lake Road Unit 1D, Palm Harbor
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
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