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2816 Rustic Oaks Dr, Palm Harbor, FL, 34684

$338/sqft·Rustic Oaks

4 bd2 ba1,644 sqft2 car garageSingle Family
Listed by LPT REALTY, LLC· Last updated · MLS# W7884575

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Est. monthly payment
$3,825/mo
Down payment (20%)
$111,000
Property taxes
$652/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1980
Private pool
Heated
2 car garage
10,446 sqft lot
Lot size
1,644 sqft
Living area

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanThermostatWindow TreatmentsSidewalkSliding Doors

2816 Rustic Oaks Dr is a 1980-built home in Rustic Oaks, Palm Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,644 square feet of living space. Listed at $555,000 (about $338/sqft), 126 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Price Improvement! This beautifully renovated 4-bedroom, 2-bathroom retreat in Palm Harbor offers a rare blend of modern comfort, lasting quality, and strong investment potential. A leased solar system keeps the electric bill to roughly $200-$230 a month — even with the pool heater running — well below the $600-$700 many similar homes see. Every inch has been thoughtfully updated, from the bright open-concept layout to the stylish contemporary finishes and designer kitchen with upgraded appliances and sleek cabinetry. The spacious bedrooms provide flexible living space, perfect for family, guests, or a dedicated home office. Out back, enjoy your own private oasis centered around a pool that's been completely redone with a brand-new pump — no lingering repairs, just peace of mind and ready-to-enjoy Florida living. Whether you're looking for a turnkey primary residence or a proven short-term rental investment, this home checks every box. Its sought-after location, polished interior, and inviting outdoor space make it equally well-suited for full-time living or generating consistent rental income.

The essentials

Built
1980
Price / sqft
$338
On market
157 days
Annual tax
$7,828
Flood zone
X · Low risk
Lot
10,446 sqft
Type
Single Family Residence

Location

2816 Rustic Oaks Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1980
Lot
10,446 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Heated, In Ground
Days on Market
157
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Thermostat
Window Treatments
Sidewalk
Sliding Doors
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer

Elementary

Highland Lakes Elementary-PN

Middle

Carwise Middle-PN

High

Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$7,828

Parcel #

06-28-16-77640-000-0490

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Rustic Oaks

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

10,446 sqft

Date
Event
Price
8/11/2026
Price change
Source: Stellar MLS #W7884575
$555,000-2.6%
$338/sqft
Price change
Source: Stellar MLS #W7884575
$570,000-4.2%
$347/sqft
4/7/2026
Listed for sale
Source: Stellar MLS #W7884575
$595,000+19.2%
$362/sqft
10/1/2021
Sold
Source: Pinellas County Public Record
$499,000
$304/sqft
Est. monthly payment$3,824/mo
Principal & interest$2,895
Property taxes$652
Insurance$278
Down payment20% · $111,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $555,000
$545,000 – $555,000
98.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 34684 landed at this number or higher (50%). The median one sat 15 days before it went under contract, and this one is on day 157 after a $40,000 cut.

Sample: 109 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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