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3171 OAK VIEW DRIVE, Palm Harbor, FL, 34684 | $520,000
Welcome to this beautifully maintained 3-bedroom, 2-bath home in the desirable all-age Rustic Oaks community. Lovingly cared for by the current owners for over 35 years, this home sits on a beautifully landscaped quarter-acre lot with a private backyard and inviting pool area.
Inside, you’ll find a spacious split floor plan featuring a living room, family room, dining room, and plenty of space for everyday living and entertaining. The interior was freshly painted in May 2026, while the exterior was professionally painted in 2025. Major updates include a roof installed in 2016, high-efficiency air conditioner with UV protection installed in 2017, hot water heater in 2024, water softener in 2022, Trane smart Wi-Fi thermostat, whole-house security system, and a new Orbit smart sprinkler Wi-Fi controller installed in 2025. The home also offers a hurricane-impact garage door, steel hurricane shutters, and a never-used Honda 7000is generator/inverter for added peace of mind. Step outside to your private backyard retreat featuring a sparkling pool with a premium Pebble Sheen Tec finish, solar pool heating and cooling system, salt generator chlorinator replaced in November 2023, pool pump replaced in 2024, and a pool screen enclosure completed in 2024. Located in a non-evacuation zone with no flood insurance required, this home offers convenience, comfort, and peace of mind. Just minutes from top-rated schools, shopping, dining, and stunning Gulf Coast beaches, with Tampa International Airport and St. Pete-Clearwater International Airport both approximately 30–35 minutes away.
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 80 x 140
- Laundry: Laundry Room
- Year Built: 1985
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,565
- Acreage: 0.26
- Lot Size: 80 x 140
- Est. Taxes: $2,010
- Lot Desc: Conservation Area, In County, Sidewalk
- View: Trees/Woods
- Elem. School: Highland Lakes Elementary-PN
- Middle School: Carwise Middle-PN
- High School: Palm Harbor Univ High-PN
- Pool: Heated, Pool Sweep, Salt Water, Screen Enclosure
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- MLS#: TB8511969
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/TB8511969/3171oakviewdrive_palmharbor_fl?source=qrflyer
Listing courtesy of Coldwell Banker Realty Phone: 727-781-3700
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
3171 OAK VIEW DRIVE, Palm Harbor, FL, 34684
$520,000
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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $416,000 | $416,000 | $416,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.628% | 5.933% |
| Monthly Tax Payment | $168 | $168 | $168 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,528 | $2,627 | $3,455 |
| Total Monthly Payment | $2,788 | $2,887 | $3,715 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388