Palm Harbor Homes under $400,000

Palm Harbor Homes under $400,000

Welcome to Palm Harbor, Florida – a hidden gem nestled along the stunning Gulf Coast in Pinellas County. Known for its picturesque landscapes and vibrant community, Palm Harbor offers a perfect blend of suburban charm and coastal living. With its beautiful parks, top-rated schools, and a plethora of recreational activities, it’s no wonder that this enchanting city has become a sought-after destination for families, retirees, and everyone in between.

One of the most appealing aspects of Palm Harbor is the variety of homes available, particularly for those seeking options under $400,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find an array of charming single-family homes, townhouses, and condos that cater to diverse lifestyles and budgets. Many of these properties boast modern amenities, spacious layouts, and beautiful outdoor spaces, perfect for soaking up the Florida sunshine.

Living in Palm Harbor means enjoying a laid-back lifestyle with easy access to pristine beaches, vibrant shopping districts, and delectable dining options. The nearby Honeymoon Island State Park and Caladesi Island State Park offer breathtaking natural beauty and endless opportunities for outdoor adventures, from hiking and biking to swimming and fishing.

With its friendly atmosphere, excellent schools, and a strong sense of community, Palm Harbor is more than just a place to live; it’s a place to thrive. Explore the homes under $400,000 and discover the charm of Palm Harbor – where your dream home awaits!

Newest Palm Harbor Homes under $400,000

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! Great for entertaining, the living area is combined with a beautifully updated kitchen, a cozy dining nook, and features glass sliders leading out to a large screened patio. The kitchen is adorned with gorgeous wood cabinetry, granite countertops, beautiful track lighting, and stainless steel appliances. The light-filled primary bedroom offers a huge walk-in closet with built-in shelving, while the secondary bedroom features a glass slider for private access to the patio. The full bathroom is equipped with a bathtub, water-saving toilet, and tastefully selected vanity, with ample storage. Ideal for outdoor living, the tiled screened patio has plenty of room to stretch out, convenient exterior access, as well as a utility closet. 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.

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
70 Schooner Drive Unit 70, Palm Harbor
$65,000
2 Beds ⋅ 2 Baths ⋅ Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code
A NEW BEGINNING awaits at 70 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 measurements are approximate.**

70 Schooner Drive Unit 70, Palm Harbor
2511 Dolly Bay Drive Unit 104, Palm Harbor
$291,700
2 Beds ⋅ 2 Baths ⋅ Dolly Bay A Village On Lake Tarpon SubDv. ⋅ 34684 Zip Code
MOVE-IN READY | UPDATED | 1,611 SQ. FT. | LAKE TARPON WATERFRONT COMMUNITY! Welcome to Dolly Bay, one of Palm Harbor’s hidden waterfront gems! This spacious 2-bedroom, 2-bath condo offers 1,611 sq. ft. PLUS an enclosed lanai overlooking a serene tropical nature setting. Thoughtfully remodeled and well maintained, this home is move-in ready and offered furnished (optional) for the seller’s convenience. Inside, enjoy a spacious layout with NO CARPET, abundant storage, a large galley kitchen with NEW refrigerator, WET BAR, indoor laundry and pantry/storage area. The enclosed lanai features DOUBLE-PANE INTERIOR SLIDERS and HURRICANE-RATED WINDOWS throughout—creating a peaceful space to enjoy the beautiful nature views. The oversized primary suite features TWO WALK-IN CLOSETS, an ensuite bath with a large ROUND JACUZZI TUB and separate linen closet. The generously sized second bedroom, full hall bath and foyer closet provide even more space and storage. Major improvements include NEW HVAC, NEW HOT WATER HEATER, NEW REFRIGERATOR, NEW METAL ROOF (2024), popcorn ceilings removed, hurricane-rated lanai windows, double-pane interior sliders and numerous additional updates. With just 84 residences, Dolly Bay offers a charming, neighborly atmosphere surrounded by mature trees, tranquil ponds, scenic boardwalks and Florida wildlife—all with DIRECT ACCESS TO LAKE TARPON, one of Pinellas County’s premier freshwater lakes for boating, fishing, kayaking and paddleboarding. Community amenities include a HEATED LAKEFRONT POOL, clubhouse, tennis courts, waterfront boardwalk, fishing dock, fish-cleaning station, community fire pit, picnic area with BBQ grills and private Lake Tarpon access. BOAT SLIPS are available first-come, first-served (currently $1,000/year), with KAYAK STORAGE currently available for $100/year. One assigned parking space plus ample guest parking. Conveniently located near John Chesnut Sr. Park, Pinellas Trail, Gulf beaches, shopping, dining, golf, healthcare and both St. Pete-Clearwater and Tampa International Airports. Imagine boating across Lake Tarpon for lunch or dinner at Tarpon Turtle, fishing at sunrise, kayaking peaceful waters or relaxing around the community fire pit. Ideal as a PRIMARY RESIDENCE, SEASONAL RETREAT or INVESTMENT OPPORTUNITY. It’s more than a home—it’s the Florida waterfront lifestyle. WELCOME TO DOLLY BAY!

2511 Dolly Bay Drive Unit 104, Palm Harbor
2575 Pine Ridge Way S Unit E1, Palm Harbor
$185,000
2 Beds ⋅ 2 Baths ⋅ Pine Ridge At Palm Harbor SubDv. ⋅ 34684 Zip Code
Great location in this 2 Bed 2 Bath First floor Home. Updated Kitchen with large pantry along with Eat-in area. Kitchen opens to Living room and Dining room. Relax on the covered and screened Lanai with ceramic tile and serene view. Separate Laundry room with storage and shelves. Newer vertical blinds throughout. Master Bedroom with Walk-in Closet. Master Bath with Walk-in shower. Convenient assigned parking space and plenty of visitor spaces. Clubhouse has a library, Sparkling Pool, Hot Tub & Shuffleboard. Newer roof and all buildings were recently painted. Low Condo fees. Walking trail around the gorgeous pond with fountain. Close to gulf beaches, golf courses, walk & bike trail, shopping, restaurants & more! Furniture Available. PRESENT ALL OFFERS!

2575 Pine Ridge Way S Unit E1, Palm Harbor
76 Liberty Way Unit 5, Palm Harbor
$163,000
2 Beds ⋅ 2 Baths ⋅ Lake Tarpon Mobile Home Village SubDv. ⋅ 34684 Zip Code
PRICED TO SELL! 55+ Golf Cart Community! One of the LARGER PIECES of LAND IN THE Community, A CORNER UNIT! ON LAKE TARPON And YOU OWN the LAND! 2 Bedroom 1 and1/2 Bath, Loved and upgrade, Soft Water System Added, Luxury Vinyl floors , LOW HOA Fees. SAVE MONEY! This is a NON-FLOOD ZONE.! GREAT VALUE for this BOATING, Swimming, Fishing, Bocci Ball, Pickle Ball, GOLF NET. ACTIVE GOLF CART COMMUNITY. on LAKE TARPON , with BOAT SLIPS & BOAT RAMP, A PIER. Your large Laundry Room is outside & A Separate Private Workshop, A Covered Outside Patio. For your full ENJOYMENT in sought after Palm Harbor in Pinellas County! SET UP your appointment TODAY! Make this your New WATER ACCESS Florida home.!

76 Liberty Way Unit 5, Palm Harbor
1871 Pine Ridge Way W Unit E1, Palm Harbor
$174,900
2 Beds ⋅ 2 Baths ⋅ Pine Ridge At Palm Harbor SubDv. ⋅ 34684 Zip Code
Virtually Staged. Welcome to Pine Ridge at Palm Harbor, a desirable 55+ condominium community offering an active Florida lifestyle in a convenient Pinellas County location. This beautifully updated 2-bedroom, 2-bathroom condo with assigned parking combines modern improvements, comfortable living, and peaceful pond views. With major updates already completed, this move-in-ready residence is ideal for year-round living or a seasonal Florida retreat. Recent improvements include a NEW AIR CONDITIONING SYSTEM installed in November 2025, a NEW WATER HEATER in early 2025, and NEW INTERIOR PAINT throughout in September 2026. Flooring was updated throughout in 2024, with NEW CARPET installed in the bedrooms and main living area in September 2026. The kitchen features a NEW REFRIGERATOR, RANGE, AND MICROWAVE, all replaced in 2026. These thoughtful upgrades provide a fresh, inviting interior and added peace of mind for the next owner. One of the home's most appealing features is the enclosed Florida room, offering approximately 81 square feet of additional space and tranquil north-facing pond views. It's an ideal setting for enjoying your morning coffee, reading, or simply relaxing while overlooking the water. Enjoy the convenience of an HOA fee that includes WATER, SEWER, INTERNET, CABLE TELEVISION, and TRASH COLLECTION TWICE WEEKLY. An additional private storage room is conveniently located in the hallway near the front entrance, providing valuable extra storage space. Pine Ridge at Palm Harbor offers resort-style amenities, including a HEATED SWIMMING POOL, SPA, CLUBHOUSE, SHUFFLEBOARD COURTS, walking trails around scenic ponds, picnic areas, and barbecue facilities. The community provides numerous opportunities to enjoy outdoor recreation, social activities, and the Florida sunshine. Pet-friendly policies and seasonal rental opportunities add to the property's flexibility, subject to association requirements. Conveniently situated just off US Highway 19 North, this Palm Harbor 55+ community offers easy access to shopping, restaurants, grocery stores, medical facilities, and nearby golf courses. Explore charming Downtown Palm Harbor, Historic Downtown Dunedin, the Tarpon Springs Sponge Docks, and the beautiful Gulf Coast beaches. The nearby Pinellas Trail offers miles of opportunities for walking, running, and cycling, while Honeymoon Island State Park and the Dunedin Causeway provide outstanding coastal recreation. Whether you're searching for a primary residence, winter getaway, or low-maintenance condominium in Palm Harbor, this extensively updated 2-bedroom, 2-bath home offers an exceptional opportunity to enjoy Florida's Gulf Coast lifestyle. Schedule your private showing and discover everything Pine Ridge at Palm Harbor has to offer!

1871 Pine Ridge Way W Unit E1, Palm Harbor
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