3298 ORCHARD DRIVE, Palm Harbor, FL, 34684 | $465,000

Motivated Seller - Beautifully updated pool home in the desirable Country Grove community of Palm Harbor. This 3-bedroom, 2-bath home features an open and bright layout with modern finishes throughout. Major improvements include a 30-year shingle roof installed in 2024, a new HVAC system and water heater installed in 2023, impact-rated windows added in 2024, fresh exterior stucco and paint, new interior paint, updated baseboards, luxury vinyl flooring, and ceramic tile.

The kitchen offers a contemporary design with solid-wood cabinetry, updated fixtures, a spacious island with added storage, and a full set of new stainless-steel appliances. The primary suite features high ceilings, dual walk-in closets, and a large updated bathroom with double sinks. The split floor plan provides added privacy.

A screened porch opens to the private pool area and fully fenced backyard, creating an ideal space for relaxation and entertaining. The property is located outside the flood zone, offering additional peace of mind. With no HOA or CDD fees and a convenient location near Clearwater, Honeymoon Beach, Tampa, Safety Harbor, Dunedin, and popular Gulf Coast beaches, this home offers comfort, modern updates, and excellent accessibility. A great opportunity for a primary residence or investment.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 73 x 100
  • Laundry: In Garage
  • Year Built: 1983
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,246
  • Acreage: 0.17
  • Lot Size: 73 x 100
  • Est. Taxes: $6,870
  • Pool: In Ground
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8505143
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/TB8505143/3298orcharddrive_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 5/24/2026 11:08:44 AM)
Listing courtesy of AVISTA BAY REALTY, LLC   Phone: 813-264-5540

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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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3298 ORCHARD DRIVE, Palm Harbor, FL, 34684

$465,000

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 $372,000 $372,000 $372,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $573 $573 $573
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,290 $2,349 $3,089
Total Monthly Payment $2,937 $2,996 $3,736

* 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.