Harbor Palms
Homes for Sale in Oldsmar, FL
All 172 homes for sale in Oldsmar, FL · median $342,450 · 131 homes for sale in 34677 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, harbor palms unit eleven in Oldsmar, FL has 6 homes for sale and 2 pending, asking from $259,900 to $449,000 (median $342,400). Over the 12 months ending 2026-09-12, 6 recorded sales closed at a median of $364,750, $239 per square foot, a median 36 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 1972 - 1980; 8 listings state no HOA; 9 of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,070 ($6,260 with the full homestead exemption).
Sections of Harbor Palms Unit Eleven in the MLS
Harbor Palms Unit Eleven in Oldsmar, FL is recorded as 8 separate subdivisions/phases in the MLS; 0 homes are for sale across them today. Each section has its own page:
- Harbor Palms-Unit Five · 6 sold/12 mo
- Harbor Palms-Unit Six · 3 sold/12 mo
- Harbor Palms Unit 6 A · 2 sold/12 mo
- Harbor Palms Unit 11
- Harbor Palms Unit 11 B C D
- Harbor Palms-Unit Four
- Harbor Palms-Unit Four A
- Harbor Palms-Unit One
Homes For Sale Right Now in Harbor Palms
Live MLS inventory for Harbor Palms. 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 Harbor Palms listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Tap any home to ask about it.
Harbor Palms right now
🔴 Seller-leaning market. 2.7 months of supply and 25% 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 September 12, 2026. Confidence: Medium (8 active and pending listings, 6 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 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
Harbor Palms market snapshot (as of September 12, 2026): the median sale price is about $365K ($239 per sq ft over the trailing 12 months of closed sales), a median 37 days on market for closed sales, and 2.7 months of supply, a seller-leaning market.
In ZIP 34677 (Oldsmar), 440 homes closed in the last 12 months at a median of $365K ($238/sq ft), down 4.1% year over year, with a median 62 days on market. Right now 88 active and 19 pending listings put supply at about 4.8 months - a buyer's market. See the live ZIP 34677 housing market and the Pinellas County market.
Flood zones in harbor palms: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 100% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov.
Harbor Palms is a community of 231 homes in Oldsmar, Pinellas County, built between 1972 and 1991 (median 1973), with a median living area of about 1,616 square feet. 79% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($365K) IS the median in the snapshot above.
Windows contain 0 to 12 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Harbor Palms Market Scorecard
Harbor Palms is currently a seller's market. About 2.7 months of supply, a median asking price of $342,400, and homes go under contract in about 42 days.
Typical home value in the 34677 ZIP is $368,055, about 13.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Harbor Palms 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, tiles © CARTO.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
Zoned schools reflect the assignments reported on recent Harbor Palms 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 Harbor Palms address.
Shop the zone: Homes zoned for East Lake High-Pn High School
The Harbor Palms buying strategy.
If we were buying in Harbor Palms 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 Harbor Palms.
A closer look at the Harbor Palms market
At a median of $239 per square foot, Harbor Palms prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 2.7 months of supply, a seller-leaning market. Homes that do trade take a median 37 days on market, useful leverage on any listing that has lingered.
The housing stock is 231 homes built between 1972 and 1991, and 79% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Harbor Palms. 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 Harbor Palms 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 4 factors (8.4). Basis: Long-Term Appreciation +305% since 2012; Liquidity & Demand 2.7 months of supply; Owner Commitment 79% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbor Palms 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 Harbor Palms sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Palms, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Palms home worth?
Get a no-obligation home value based on real comparable sales in Harbor Palms, 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 Oldsmar →
Frequently Asked Questions
What is the median home price in Harbor Palms?
How long do homes in Harbor Palms take to sell?
Is Harbor Palms a buyer's or seller's market right now?
How many homes are in Harbor Palms?
What share of Harbor Palms is owner-occupied?
When were the homes in Harbor Palms built?
Have Harbor Palms home prices gone up?
What schools serve Harbor Palms?
Who is the best real estate agent for Harbor Palms?
How do I find a top Oldsmar real estate agent who knows Harbor Palms?
Can Momentum Realty connect me with an agent for Harbor Palms?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2006 (83 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?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how harbor palms unit eleven fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Harbor Palms with Momentum Realty’s local guides.