Cloverplace
Condos for Sale in Palm Harbor, FL
All 575 homes for sale in Palm Harbor, FL · median $399,900 · 156 condos for sale in Palm Harbor · 224 homes for sale in 34684 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of November 2026, Cloverplace Condo in Palm Harbor, FL has 1 home for sale. Over the 12 months ending 2026-11-06, 9 recorded sales closed at a median of $255,000, $272 per square foot, a median 13 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1984–1985; 8 of 14 report an HOA (median $230/mo); none of the 14 geocoded homes sit in a FEMA special flood hazard zone (median elevation 50 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $4,940 ($4,130 with the full homestead exemption).
Last 30 days in Cloverplace: 1 under contract right now, 1 closed sale (median $220,000). As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Cloverplace is a mid-1980s condo community in Palm Harbor, and price here is driven far more by condition and interior updates than by square footage. With a median around $252,500 and a median unit near 950 square feet, you're paying roughly $276 per foot — which tells you the renovation status of the specific unit matters more than the address.
The market posture is soft. A market heat score of 23 and a median of 49 days on market — call it just over seven weeks — point to a buyer who has time to negotiate and a seller who needs to price honestly on day one. Year-over-year values are up about 1.4%, essentially flat, so nobody should expect the market to rescue an aggressive list price.
Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Cloverplace Condo right now
🔴 Seller-leaning market. 0.8 months of supply and 50% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of November 6, 2026. Confidence: Medium (2 active and pending listings, 9 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 8, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Cloverplace Condo market snapshot (as of November 6, 2026): the median sale price is about $255K ($272 per sq ft over the trailing 12 months of closed sales), a median 13 days on market for closed sales, and 0.8 months of supply, a seller-leaning market.
In ZIP 34684 (Palm Harbor), 274 homes closed in the last 12 months at a median of $355K ($257/sq ft), down 4.6% year over year, with a median 40 days on market. Right now 65 active and 17 pending listings put supply at about 2.8 months — a healthy market. See the live ZIP 34684 housing market and the Pinellas County market.
County records show 6 qualified sales in Cloverplace Condo across 2024–2025 (4 in 2024, 2 in 2025), median $275,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cloverplace Condo is a community of 140 homes in Palm Harbor, Pinellas County, built between 1984 and 1986 (median 1984.0), with a median living area of about 950 square feet. 54% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Cloverplace is a compact, established condo community of 235 units built between 1983 and 1986, where a little over half the units are owner-occupied under homestead. It reads as a mature, small-footprint community rather than a new-construction play.
The setting & the homes.
Aerial and on-site photos of Cloverplace Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cloverplace CondoPhotos from Stellar MLS listings in Cloverplace Condo; content deemed reliable but not guaranteed.
Who Cloverplace Condo is best for.
Best for
- Buyers seeking a right-sized primary residence around the mid-$250s who value efficiency over square footage
- Value-focused buyers willing to negotiate patiently in a slow market
- Buyers who will do real diligence on the condo association and reserves
Probably not for
- Buyers who need more than roughly 950 square feet of living space
- Buyers counting on rapid appreciation or a fast flip
- Buyers wanting new construction or contemporary floor plans
Homes For Sale Right Now in Cloverplace Condo
Live MLS inventory for Cloverplace Condo. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cloverplace Condo listings as of 2026-11-06, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.
Cloverplace Condo on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Highland Lakes Elementary-PN · Elementary
- Carwise Middle-PN · Middle
- Palm Harbor Univ High-PN · High
Zoned schools reflect the assignments reported on recent Cloverplace Condo listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cloverplace Condo address.
Shop the zone: Homes zoned for Palm Harbor Univ High-Pn High School
The Cloverplace Condo buying strategy.
If we were buying in Cloverplace Condo today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cloverplace Condo.
A condition-driven condo market
The units here are tightly clustered in age — built across a three-year window in the mid-1980s — so the physical bones are similar across the community. That consistency means the spread you'll see in pricing comes down to what's been done inside: kitchens, baths, flooring, and systems. Two units of the same size can justify very different numbers based on updates alone.
At a median near 950 square feet, these are efficient, right-sized homes, not sprawling floor plans. With homestead occupancy just above 50%, ownership is split between primary residents and non-owner-occupants, which is worth factoring into any association-related due diligence. Read the condo docs, reserves, and any assessment history closely before you commit.
The location and the amenities are priced into every listing in Cloverplace Condo. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cloverplace Condo buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.7). Basis: Liquidity & Demand 0.8 months of supply; Owner Commitment 54% owner-occupied; Pricing Power 97.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a condition-driven market this soft, the win is pricing and reading the unit correctly, not chasing comps blindly. We'll help buyers separate a genuinely updated unit from cosmetic staging, and help sellers price to the current 49-day reality instead of last year's optimism. We also know what to look for in the association paperwork before it costs you.
Cloverplace Condo in 15 seconds.
Tools for a Cloverplace Condo buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cloverplace Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cloverplace Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cloverplace Condo home worth?
Get a no-obligation home value based on real comparable sales in Cloverplace Condo, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palm Harbor →
Recently off market in Cloverplace Condo
Homes in Cloverplace Condo that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 3157 Phlox Drive #3157 · off market
- 3178 Cloverplace Drive · off market
- 341 Hibiscus Drive · off market
| Location | Palm Harbor, Pinellas County, FL · ZIP 34684 |
|---|---|
| Homes in the community | 140 (FL DOR 2025 assessment roll) |
| Years built | 1984–1986 (median 1984.0) |
| Typical living area | 950 sq ft (median) |
| Home types (current listings and sales) | condos 57%, villas 36%, half duplex 7% |
| Amenities listed by sellers | Pool, Buyer Approval Required, Deed Restrictions, Association Recreation - Owned, No Truck/RV/Motorcycle Parking, Tennis Court(s) |
| Sale prices, last 12 months | $255,000 median across 9 closed sales · $272 per sq ft |
| Days on market (closed sales) | 13 median |
| For sale right now | 1 active, 1 pending · median asking $219,000 · 0.8 months of supply |
| Owner-occupied (homestead) share | 54% |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cloverplace key facts,” movewithmomentum.com/neighborhoods/cloverplace-condo, data as of November 6, 2026.
Housing distress & ownership in Cloverplace Condo, Palm Harbor
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Cloverplace Condo Right Now (2)
All 2 active and pending Cloverplace Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3165 Phlox Drive · $239,000 · 2 bd / 1 ba · pending · listed Sep 30, 2026 · listed by Tropic Shores Realty Llc
- 3174 Phlox Drive · $219,000 · 2 bd / 2 ba · listed Aug 8, 2026 · listed by Ragsdale Residential Realty
Recently sold in Cloverplace Condo
- 3178 Cloverplace Drive · sold $220,000
- 341 Hibiscus Drive · sold $232,500
- 3157 Phlox Drive #3157 · sold $195,000
- 3199 Phlox Drive #214 · sold $281,400
- 3251 Latana Drive · sold $289,900
- 327 Phlox Drive #327 · sold $280,000
- 3165 Phlox Drive · sold $160,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Palm Harbor home searches
- All homes for sale in Palm Harbor, FL
- Homes for sale in Pinellas County, FL
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- Palm Harbor home values: what is my house worth?
Palm Harbor guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Phlox Drive (18 homes on record)
- Cloverplace Drive (16 homes on record)
- Cloverplace Drive (10 homes on record)
- Phlox Drive (6 homes on record)
- Cloverplace Drive (4 homes on record)
- Phlox Drive (3 homes on record)
15% of homes for sale in ZIP 34684 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-08).
Cloverplace Condo Market Scorecard
Cloverplace Condo is currently a seller's market. About 3.0 months of supply, a median asking price of $239,000, and homes go under contract in about 34 days.
Typical home value in the 34684 ZIP is $320,251, about 6.7% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
What it really costs to own in Cloverplace
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $230/month across 8 MLS listings (most billed monthly; 2026-11-08). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1984 across 13 listings. An original roof here would be about 42 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Cloverplace
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cloverplace Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cloverplace Condos for Sale will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Cloverplace Condo?
How long do homes in Cloverplace Condo take to sell?
Is Cloverplace Condo a buyer's or seller's market right now?
How many homes are in Cloverplace Condo?
What share of Cloverplace Condo is owner-occupied?
When were the homes in Cloverplace Condo built?
Who is the best real estate agent for Cloverplace Condo?
How do I find a top Palm Harbor real estate agent who knows Cloverplace Condo?
Can Momentum Realty connect me with an agent for Cloverplace Condo?
Where is Cloverplace, and what county is it in?
Is Cloverplace a good place to live?
Should you buy in Cloverplace Condo?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 6, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 6, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34684)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-06 |
| Historical depth | Closed-sale records back to 2025 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how Cloverplace Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Cloverplace Condos for Sale in Palm Harbor
- Home values · What homes in Cloverplace Condos for Sale in Palm Harbor actually sell for