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22 Oak Avenue, Palm Harbor, FL 34684

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For Sale

$675,000

3 beds • 2 baths • 2,356 sqft

Estimated Payment

$ 3,769 /mo. †

6.67% APR for 30 yrs.
$3,547 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • Newly Listed
    Time on Century 21

  • $286.50
    Price per square foot

  • 41-50 Years Old
    Age

Explore this Property

Welcome to your dream home on Lake Tarpon, nestled in a serene community, offering the perfect blend of luxury, comfort, and natural beauty! This charming abode boasts a spacious layout with an open floor plan, creating an inviting ambiance ideal for both family living and entertaining. Curb appeal draws you in, and then you step into a spacious foyer which leads to the heart of the home, where the living area seamlessly flows into the dining room and kitchen, providing a versatile space for gatherings and relaxation. The gourmet kitchen is a chef s delight, featuring white cabinetry, quartz countertops, a massive breakfast bar, stainless steel appliances, and an imported Japanese glass tile backsplash embedded with sand and shells. A copper farmhouse sink adds a unique, elegant touch. The breakfast bar is perfect for casual meals, and easy access to the FL room makes it a delightful option for dining al fresco year-round. The main living areas showcase herringbone-laid tile flooring, gorgeous plank ceilings, and crown molding, creating a warm yet modern ambiance. After a long day, retreat to the primary suite, located on one side of the home for added privacy. Here, tranquility abounds, offering a serene sanctuary complete with a spacious bedroom, large walk-in closet, and a luxurious remodeled en-suite bathroom featuring a large, gorgeous shower. The split-bedroom layout offers privacy, with the primary suite also featuring French doors that lead to the Florida room. On the opposite side of the home, you'll find 2 additional well-appointed bedrooms, each offering comfort and style, along with easy access to a conveniently located, remodeled second full bathroom. The Florida room spans the back of the home, offering panoramic water views and leading to the covered deck, open deck, and the newer dock and seawall perfect for boaters and outdoor enthusiasts! Laundry day is a breeze in the convenient laundry room, which features a laundry sink and extra storage space. With a two-car garage providing ample parking and storage space for all your toys, this home perfect for any family. But the perks of this home don't end there. The home features a new (2023) roof, crown molding, tall baseboards, tile flooring throughout and all new fixtures. Additional upgrades include newer Category 4 hurricane impact windows with Low-E film for sun protection, a newer seawall and dock, and a huge paver driveway with ample parking for owners and guests. This wonderful nieghborhood is convenient to parks, our Gulf Beaches, world class Golf, fine dining, shopping, sports venues, and 2 airports. Whether you re looking for a relaxing waterfront retreat or the ultimate party house, this home offers it all come and experience the epitome of Florida living at its finest!
MLS# TB8363704

Courtesy Of Re/Max Response

(727) 789-5555

Property Features

  • Age
    41-50 Years Old
  • Amenities
    Dock, Security System, Security System, Water Front
  • Appliances
    Dishwasher, Dryer, Garbage Disposer, Microwave, Range, Refrigerator, Washer, Water - Softener
  • Architecture Style
    Other
  • Exterior Type
    Block
  • Floor Covering
    Tile, Tile - Ceramic
  • Heating System
    Central Furnace
  • Lot Size
    0.16 Acres
  • Rooms
    Dining Room, Kitchen, Living Room

Map and Directions

Directions to 22 Oak Avenue, Palm Harbor, FL 34684

Home seller CENTURY 21 BE3

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 BE3

(800) 541-9923
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,474
  • Property Taxes
    $295
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,769

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Highland Lakes Elementary

Grades PK-5 Public School

Palm Harbor, FL 34684 2.2 miles
1230 highlands blvd

487 total students
14:1 Student teacher ratio

School Rating: A-

School Details

Tarpon Springs Middle School

Grades 6-8 Public School

Tarpon Springs, FL 34689 4.2 miles
501 n florida ave

651 total students
17:1 Student teacher ratio

School Rating: C+

School Details

Tarpon Springs High School

Grades 9-12 Public School

Tarpon Springs, FL 34689 3.8 miles
1411 gulf rd

1195 total students
22:1 Student teacher ratio

School Rating: C+

School Details
Other Nearby Schools Distance Type Grades School Rating
Sutherland Elementary 0.9 miles Public PK-5 A+
St. Petersburg Collegiate High School North Pinellas 1.3 miles Public 10-12 A+
Carwise Middle School 1.3 miles Public 6-8 B
Center Academy 1.8 miles Private 4-12
Westlake Christian School 1.9 miles Private KG-8
Spring Valley School 2 miles Private UG
Huntington Learning Center 2.2 miles Private 1-12
Palm Harbor University High 2.2 miles Public 9-12 A-
Ignite Academy 2.4 miles Private KG-4
East Lake High School 2.5 miles Public 9-12 B+
Tarpon Springs Fundamental Ele 2.5 miles Public KG-5 A+
East Lake Middle School Academy Of Engineering 2.5 miles Public 6-8 A
Cypress Woods Elementary 2.6 miles Public PK-5 A+
Elisa Nelson Elementary School 2.9 miles Public 1-5 A+
Palm Harbor Middle School 2.9 miles Public 6-8 B-
Brooker Creek Elementary 3.2 miles Public PK-5 A
Tarpon Springs Elementary 3.3 miles Public PK-5 B-
Lake St. George Elementary 3.4 miles Public PK-5 A-
Ozona Elementary 3.4 miles Public PK-5 A

Sutherland Elementary

Distance: 0.9 miles

Type Public

Grades: PK-5

A+

St. Petersburg Collegiate High School North Pinellas

Distance: 1.3 miles

Type Public

Grades: 10-12

A+

Carwise Middle School

Distance: 1.3 miles

Type Public

Grades: 6-8

B

Center Academy

Distance: 1.8 miles

Type Private

Grades: 4-12

Westlake Christian School

Distance: 1.9 miles

Type Private

Grades: KG-8

Spring Valley School

Distance: 2 miles

Type Private

Grades: UG

Huntington Learning Center

Distance: 2.2 miles

Type Private

Grades: 1-12

Palm Harbor University High

Distance: 2.2 miles

Type Public

Grades: 9-12

A-

Ignite Academy

Distance: 2.4 miles

Type Private

Grades: KG-4

East Lake High School

Distance: 2.5 miles

Type Public

Grades: 9-12

B+

Tarpon Springs Fundamental Ele

Distance: 2.5 miles

Type Public

Grades: KG-5

A+

East Lake Middle School Academy Of Engineering

Distance: 2.5 miles

Type Public

Grades: 6-8

A

Cypress Woods Elementary

Distance: 2.6 miles

Type Public

Grades: PK-5

A+

Elisa Nelson Elementary School

Distance: 2.9 miles

Type Public

Grades: 1-5

A+

Palm Harbor Middle School

Distance: 2.9 miles

Type Public

Grades: 6-8

B-

Brooker Creek Elementary

Distance: 3.2 miles

Type Public

Grades: PK-5

A

Tarpon Springs Elementary

Distance: 3.3 miles

Type Public

Grades: PK-5

B-

Lake St. George Elementary

Distance: 3.4 miles

Type Public

Grades: PK-5

A-

Ozona Elementary

Distance: 3.4 miles

Type Public

Grades: PK-5

A

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Palm Harbor, FL 34684

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Palm Harbor, FL 34684

This community’s employment is highest in the administrative support and food industries. The area’s overall household expenses are above the national average.

91° August
Hottest Average Month
50° January
Coldest Average Month
13,101 Total Households in Area
0.9% Increase in population since the year 2010
19.6%
of households
have children
25 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Palm Harbor, FL 34684

Palm Harbor, FL 34684 has a population of 27,218 people in 13,101 households with a median age of 54.4 years old.

0.9%
Increase in population
since the year 2010
Population is Trending up
12,905
Total households as of 2010
2.1%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 54.4 years old. The smallest percentage group is 65-74 years and the largest percentage is the 0-5 years age range.

Community Population By Ethnicity

White 85%
Hispanic 9%
Asian 3%
Black 2%
Other 2%
Native American <1%
The most prevalent ethnicity is White at 85%, followed by Hispanic at 9%, Asian at 3%, and Black at 2%.

Economics
for Palm Harbor, FL 34684

3,494 /sq mi
Population Density
$66,716 /yr
Median Household Income
$329,000
Median Sales Price
25 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 20.05% of the households.

Transportation to Work

  • Drive 84%
  • Work from Home 13%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 9,792 68%
Rented 3,308 23%
Vacant 1,262 9%

White vs Blue Collar Jobs







White Collar 84%
Blue Collar 16%

Family & Education Facts
for Palm Harbor, FL 34684

54.4 Median Age

Average Household Size

2
persons per
household

45.8%

Married Households

Community Population By Education

High School Graduate 25%
Bachelors Degree 24%
Some College 24%
Associates Degree 12%
Graduate Degree 11%
Some High School 5%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 25.09% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
19.5% of households have children

Weather
for Palm Harbor, FL 34684

The weather for this area ranges from a high of 91° F in August to a low of 50° F in January

91° August
Hottest Average Month
50° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
50°
71°
Feb
52°
73°
Mar
57°
77°
Apr
61°
81°
May
67°
86°
Jun
72°
89°
Jul
74°
90°
Aug
74°
91°
Sep
72°
89°
Oct
66°
84°
Nov
58°
78°
Dec
52°
72°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Pinellas Suncoast Association of REALTORS&#174;, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. 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. 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.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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