455 PALM HARBOR BOULEVARD S, #164, Palm Harbor, FL, 34683 | $215,000

One or more photo(s) has been virtually staged. New price, and even better news for buyers. All milestone inspections have been completed, and the seller has paid every milestone and community assessment in full. That means no surprise costs and true peace of mind from day one.

Welcome home to this beautifully remodeled three-bedroom, two-bath ground-floor end unit in the highly desirable Harbor Club Condominiums, where comfort, style, and the Florida lifestyle blend seamlessly. Not only is this home updated and move-in ready, but the major community obligations have already been handled for you a significant financial advantage in today’s condo market.

From the moment you enter, abundant natural light showcases fresh interior paint and waterproof luxury vinyl plank flooring that flows throughout the home, creating a calm, cohesive space designed with both elegance and durability in mind.

The thoughtfully designed split floor plan offers exceptional privacy and flexibility, including the rare potential for two primary suites — ideal for multi-generational living, extended guests, or anyone who values additional space and comfort. Nearly every room captures tranquil water views overlooking the serene brackish pond, where you can enjoy feeding the fish, watching birds glide by, and relaxing beneath mature trees along the shoreline.

The kitchen is ideally situated and features its own dedicated laundry area, complete with brand-new appliances including a stove, dishwasher, microwave, refrigerator, washer, and dryer. Each bedroom includes a spacious walk-in closet, and the smart layout offers a convenient Jack-and-Jill second bath, further enhancing the potential for a second suite-style setup. Double-pane impact windows and sliding glass doors provide energy efficiency, storm protection, and beautifully frame the peaceful outdoor scenery.

For those who work from home, this residence offers the perfect opportunity to create a calming office space with inspiring water views. Every detail has been thoughtfully considered so you can simply unpack and begin enjoying the lifestyle.

Step outside and experience Harbor Club’s resort-style amenities, including a sparkling pool, tennis courts, and beautifully maintained sidewalks perfect for leisurely strolls. Exterior improvements are currently underway — and remember, the associated assessments have already been paid in full by the seller.

Ideally located just minutes from the Dunedin Causeway for breathtaking sunsets and beach days, and close to local favorites like Ozona Blue, Thirsty Marlin, and Crabby Bill’s, with Downtown Palm Harbor only a few blocks away. Situated within one of the county’s top-rated school districts, this home offers both exceptional lifestyle and lasting value.

With a newly adjusted price, completed milestone inspections, and all assessments fully paid, this waterfront condo stands out as a rare opportunity in today’s market.

Features

  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 3
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room, Washer Hookup
  • Complex: HARBOR CLUB CONDO
  • Year Built: 1985
  • Approx Sq. Feet: 1,128
  • Est. Taxes: $3,288
  • Condo Fee: $710 Monthly
  • View: Trees/Woods, Water
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pet Policy: Breed Restrictions
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8464371
  • Days on Market: 55 days
  • Website: https://www.raveis.com
    /prop/TB8464371/455palmharborboulevards_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/14/2026 8:17:06 PM)
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP   Phone: 727-461-1700

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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455 PALM HARBOR BOULEVARD S, #164, Palm Harbor, FL, 34683

$215,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $172,000 $172,000 $172,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.419% 5.668%
Monthly Tax Payment $274 $274 $274
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,017 $1,059 $1,394
Total Monthly Payment $1,366 $1,408 $1,743

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.